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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.

Details | Tips

Frequently Asked Questions

  • A | You can make deposits in person, by mail, through an electronic ACH transaction, transfers through PHFCUOnline, or automatically through direct deposit/payroll deduction.

  • A | You can both open your account online. After completing the primary member’s information, please click the box to include the joint owner at the bottom of the screen. If you are opening your account in person and if you are opening your account(s) with a joint owner/co-applicant, they must be present during the enrollment process in order to validate their identity. If they are not available, open your account as an individual and request the appropriate application(s) to have a co-applicant added at a later date.

  • A | In most cases, you can contact your employer’s Payroll/Human Resources Department to sign up for either of these services. You will need your Pearl Hawaii Federal Credit Union account number and routing # 321380328.

  • A | If you work for a company that offers Payroll Deduction, you can have part of your check deposited automatically into your accounts. Some employers allow Direct Deposit, which deposits your entire paycheck directly into your Pearl Hawaii Federal Credit Union account on payday. In addition, Social Security, pension or any other recurring federal payments can be deposited directly into your account.

  • A | Save time by ordering online. You can order custom checks, checkbook covers, address labels and other accessories. It’s fast, easy and secure. Just enter the account and routing number and select account type (personal or business) you want to order.

  • A | An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. When you pay with a check or debit card and you don’t have enough funds in your checking account to cover the amount of the transaction, you may be assessed a fee from not only Pearl Hawaii Federal Credit Union, but you may be assessed additional fees from the payee’s financial institution and the merchant. If you have Overdraft Privilege in place, you pay a fee only to Pearl Hawaii and avoid paying additional fees to your merchant and the merchant’s financial institution… and best of all, no bounced check or declined transaction!

  • A | We will charge you a fee (as stated in your Schedule of Fees) each time we pay an overdraft. Although we do not charge a daily fee for an overdrawn account, we will remove this service if you are overdrawn for 30 days or more. In order to maintain this service, you will need to bring your account balance to a positive balance within thirty days for a minimum of 24 hours, not be in default on any loan or other obligation to Pearl Hawaii, and not have any legal or administrative order or levy on your account.

    Please remember… Pearl Hawaii will pay overdrafts within the overdraft privilege limits, but payments on an overdrawn account are a courtesy.  Generally, overdrafts will be limited to a maximum of a $500.00 overall negative balance. This amount also includes any overdraft fees. For more information, please read the Discretionary Overdraft Privilege Policy.

  • A | An overdraft fee is charged when the account goes into the negative. Overdraft Privilege (ODP) will pay items in the event your checking account does not have sufficient funds. Overdraft Privilege is not an Overdraft Line Of Credit, which is a loan. With ODP, we will have the discretion to pay the overdraft if your account does not have money. Without ODP, Pearl Hawaii is not obligated to pay your checks, withdrawals, or debit card transactions. With Overdraft Privilege in place, you pay a fee only to Pearl Hawaii and avoid paying additional fees to your merchant and the merchant’s financial institution.

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.

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