Checking Accounts
Discover checking options that are custom-made by you to fit your lifestyle. Ensuring that your purchases are easy and secure whether you are shopping online or in-person at a store is a top priority. Enjoy flexibility, innovation, and security with any one of Pearl Hawaii’s Checking Accounts.
No Service Fees, Ever.
Pearl Checking
Pearl Hawaii’s Checking Account gives you all of the services, but none of the fuss. The latest advances in banking innovation, security, and technology have made everyday tasks safer and easier.
Pearl Hawaii offers several products and services for you to bank and shop safely while on the go or at home. PHFCUOnline, our Online Banking, is available through any device. Transfer money with PearlPay, pay bills, manage your life with LIFE Manager, make a deposit with SnapDeposit, and check balances anytime, anywhere.
Monthly Service Fee | $0
Minimum Opening Deposit | $0
Monthly Balance Requirement | $0
Free Services | Online Banking, Bill Payment, Mobile App, SnapDeposit, Debit Card or Instant Issue Card, PearlPay Transfers, Exclusive Member Discounts, plus more.
Your First Financial Step
Pearl Hawaii’s Teen Debit & Checking
Give your teens the financial tools today to build the future they want with Pearl Hawaii’s Teen Debit & Checking Account. Keep track of their spending and help them save toward their goals with PHFCUOnline and our mobile app. Also, teens can customize their banking experience within our online banking system.
Monthly Service Fee | $0
Minimum Opening Deposit | $0
Monthly Balance Requirement | $0
Free Services | Online Banking, Bill Payment, Mobile App, SnapDeposit, Debit Card or Instant Issue Card, PearlPay Transfers, Exclusive Member Discounts, plus more.
Pearl Hawaii’s Teen Debit & Checking
Benefits
・Use First Hawaiian Bank ATMs
・Debit Card customization and same-day printing with Instant Issue
・An app that gives you complete control and an app where they can manage their own transactions and savings.
・Online Banking that’s customizable so your teen can practice money management
Complete Oversight for You
・Total Access for Parents | As a joint account holder, you manage your teen’s account.
・Transfer Funds Anytime | Set up your child’s allowance with a recurring transfer or transfer money as needed.
・Complete Control for Parents | Turn off their card if spending gets out of hand, shut down the card if they lose it, set limits on how much they spend or let them spend money only in a certain zip code.
・Free Account Alerts | Set up text messages if your child exceeds spending limits, their account balance is low, or they have met the thresholds that you set.
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- MasterCard Guide to Benefits – Debit
- SnapDepost
- Direct Deposit & Payroll Allotment
- Order Checks
- Request a Debit Card Online
- Online Banking Login Instructions
- e-statements
- Additional Services
- Financial Education
- How Do I Set-Up Direct Deposit?
- Think Inside the Box (The Safe Deposit Box)
- Are CD Rates Getting You Down? Try Reward Checking…
- High-Yield Reward Checking Puts You In Control
- Overdraft Privilege (ODP) | Make sure you’re covered when life has its hiccups. ODP covers overdrafts from checks, ATM withdrawals, ACH transactions (for automatic bill payments), and debit card transactions.
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Articles to Get You Started
- Practice Better Money Habits
- Create a Budget
- Trim Your Budget
- Out of Work?
- The Upside of Frugality
- The Rule of 72
- Bank From Home
Calculators
Upgrade You At Pearl Hawaii
From the finest service to the latest tech, we've got your back in every possible way. At Pearl Hawaii, we are committed to providing you the most innovative products and services. From home or car loans and helping you with other banking services. Bank at any of our Oahu locations in Waipahu, Ewa Beach, Waianae, Honolulu, Pearl Harbor, or near the Airport. Additionally, you can bank using PHFCUOnline just like one of our branches. To contact us, call us at 808.737.4328, toll-free at 800.987.5583, or email us at MyFamily@phfcu.com.
Get Started By Opening Your Account
Open your account from the comfort of your couch.
Direct Deposit & Payroll Allotment
Take the Easy Route
Stop worrying about depositing your paycheck, making a loan payment, or leaving your mail unattended. When you set up Direct Deposit and Payroll Allotment with your employer or with your Social Security check, your money is deposited electronically into your account and directed where you need it to be. These services are safe and secure and make banking stress free.
Direct deposit is the easy, worry-free, and safe way to have your payroll or recurring checks deposited directly into your Pearl Hawaii account. Deposits are made electronically so you never have to worry about a lost check or leaving your house.

Can’t make it to the credit union on payday? You don’t need to worry with direct deposit. Your entire paycheck will be automatically deposited into your account, saving you time and money!

If you’d like only a portion of your check deposited into your account each payday, consider payroll allotment. Payroll allotment is an easy way to add money to your savings account, pay on a loan, or contribute to your IRA. A part of your paycheck is deposited automatically into the account(s) of your choice.
How to Set up Direct Deposit
To receive payments electronically, you need to provide account information to the organization that is paying you. They may require that you use a particular form (such as a direct deposit form) or they may ask you to provide a voided check. Some human resources departments require you to enter the information online.
To receive payments, you will need to provide the details below to the organization that will be paying you.
- Provide their requested information and your Pearl Hawaii…
- Account type – checking or savings
- Account number – If you need to verify that you have correct account information, please call us at 808.737.4328 (73-PHFCU) or visit any location
- Routing number – 321380328
- Financial Institution name- Pearl Hawaii Federal Credit Union
- Financial Institution Address- Pearl Hawaii Federal Credit Union, 94-449 Ukee Street, Waipahu, Hawaii 96797
- Name of account holders listed on the account
Payment Agency Type | Form |
---|---|
Federal Government Agency |
Standard Form 1199A |
Federal Government Benefits (Social Security, Supplementary Security, Department of Veteran Affairs, or other federal benefit checks) |
Visit GoDirect |
Military Pay (Active Duty, retired/veteran or reserve military, DoD, and DFAS civilian employees) |
Visit MyPay |
Social Security Administration |
ssa.gov |
Pearl Hawaii's Direct Deposit and Automatic Payment Form |
Direct Deposit and Automatic Payment Form |
Rates & Disclosures
Account | Benefits | Minimum Balance | |
---|---|---|---|
Pearl Checking |
No minimum deposit, monthly service fee, or minimum balance requirement. |
$0 |
Open |
Teen Debit & Checking |
No minimum deposit, monthly service fee, or minimum balance requirement. |
$0 |
Open |
Rates effective as of: April 3, 2025
Teen Debit Card Account Disclosures
Please bring your teenβs social security card when opening the account. Opening/minimum balance is $5.00. Certain conditions and restrictions may apply. An adult (the account owner) will be responsible for all transactions, fees, and overdrafts that occur. Must be aged 13 to 17.
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Rates effective as of: April 3, 2025
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Open Account
Leaving Our Website
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Although the Credit Union has approved this as a reliable partner site, please be advised that you will no longer be subject to, or under the protection of, the privacy and security policies of the Credit Union’s web site. The other party is solely responsible for the content of its web site.
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