The cartoon is set inside a tropical resort called the Banana Cabana. All of the cabana's staff members and residents are funny animals who have shaved off their fur and wear only underclothes. A dog named Howie is the manager and leader of the cabana. Each episode follows Howie and his "misfit" crew having unusual adventures in the Banana Cabana.
- Howie (voiced by Rob Tinkler) is a pale-yellow dog and manager of the Banana Cabana. He is hyperactive, very dim witted and impulsive, he's almost always cheerful. He is also completely oblivious to his sister's evil nature.
- Octo (voiced by Howard Jerome) is an overly cautious blue octopus and the desk clerk. He is Howie's best friend.
- Bunny (voiced by Emilie-Claire Barlow) is a short-tempered yellow rabbit and activity planner with a sugary personality (subject to mood swings).
- Duck (voiced by David Berni) is a Tan-colored duck who does every random job and tries anything to get it done. It was revealed in "The Sun Howie Always Wanted", and "Mini Howies" that his full name is Archibald William Nightindale Duck III. As a running gag Duck often appears during a problem with a funny non sequitur.
- Piggy (voiced by Seán Cullen) is a pale pink pig who is a ninja-trained master chef with a Bulgarian accent. He speaks broken English.
- Narwhal (also voiced by Seán Cullen) is a self centered, periwinkle-colored narwhal that loves to sing (he is the lounge performer.)
- Sloth (voiced by Linda Kash) is a peach-colored sloth and the bellhop of the Banana Cabana. She has a crush on Howie. She also does everything slowly. She moves around using her luggage cart.
- Poodle (voiced by Alyson Court) Howie's evil older sister who owns a rival hotel called the Chateau Chattoo. She always tries to ruin Howie's fun and tries to take over his hotel.
- Batty (voiced by Julie Lemieux) Poodle's evil minion who is also Howie's long-lost cousin.