Haw. Rev. Stat. § 412:6-101: Necessity for savings bank charter.

Except as expressly permitted by federal law or this chapter, no person shall engage in any activity for which a charter to operate as a savings bank is required by this chapter, including without limitation the solicitation, acceptance, and holding of deposits in this State, the use of the term "savings bank", or the exercise of such other powers or privileges restricted to savings banks under applicable law, unless it is a corporation incorporated in this State and has such a savings bank charter.