§412:3-501  Authorized places ofbusiness.  (a)  A Hawaii financial institution may conduct business at oneor more of the following places of business, to the extent authorized:

(1)  The principal office of a Hawaii financialinstitution is the place of business that it designates as its executiveheadquarters in this State.  A financial institution may, but need not, conductother businesses permitted under its charter or license at its principaloffice; provided that for the purposes of this section, the terms"principal office", "home office", and "mainoffice" are interchangeable;

(2)  A branch is a place of business open to thepublic where a financial institution shall be authorized to conduct allbusinesses permitted under its charter or license, except for the maintenanceof its executive headquarters;

(3)  An agency is a place of business open to thepublic where a financial institution may conduct only specific businessesapproved by the commissioner in writing;

(4)  An automatic teller machine or ATM is a place ofbusiness, either at a fixed location or mobile, consisting of an on-line oroff-line, staffed or unstaffed, electronic processing device, includingassociated equipment and structures, that is situated at a premises separatefrom a financial institution's principal office, branch, agency, or supportfacility, at which deposits of cash or instruments, or cash disbursementtransactions between a person and one or more financial institutions areaccomplished, whether instantaneous or otherwise, through or by means ofelectronic or automated signals or impulses including the human voice; providedthat it shall not mean a telephone or an electronic processing device situatedat or within the premises of a bank customer that is used only for transactionsbetween that customer and the financial institution.  The term does not includemerchant operated terminals and point of sale terminals; and

(5)  A support facility is a place of business that isnot generally open to the public, where a financial institution conductslimited types of significant business operations of the financial institution,including but not limited to data processing, clerical activities, and storage.

(b)  In addition to conducting business at aplace of business described in subsection (a), a Hawaii financial institutionmay conduct business in any other manner or place necessary or convenient;provided that deposits of cash or instruments shall not be received, checks,negotiable orders of withdrawal or share drafts shall not be paid, and cashshall not be disbursed, except at an authorized principal office, branch orautomatic teller machine or at any agency or support facility which has beenauthorized by the commissioner to accept deposits or disburse cash. [L 1993, c 350,pt of §1; gen ch 1993; am L 1994, c 107, §9]