HRS §490:4A-505
When you can no longer dispute a payment taken from your account
If your bank pays an order in your name and tells you about it, you have one year to object. If you wait longer, you cannot claim the bank was wrong to keep the money.
The statute, as written — Preclusion of objection to debit of customer's account
If a receiving bank has received payment from its customer with respect to a payment order issued in the name of the customer as sender and accepted by the bank, and the customer received notification reasonably identifying the order, the customer is precluded from asserting that the bank is not entitled to retain the payment unless the customer notifies the bank of the customer's objection to the payment within one year after the notification was received by the customer.
LawTrove is not legal advice. The summary above is a computer-generated restatement — the authoritative text is the official version linked above.