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Pearl Hawaii Credit Union
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Pearl Hawaii Credit Union
Apple GET - On the App Store

Earn up to $10 Every Month With Cash Back Checking



With no minimum balance and no monthly maintenance fees, now you can get paid by simply opening a Cash Back Checking account. By doing a few things that you may do already, you can earn up to $10.00 per month. All it takes is a couple of minutes of your time and we will do the rest…



  • Earn up to $10.00 per month cashback when you spend $400 on qualified debit card purchases (2.50%* of purchases)
  • No minimum balance
  • No monthly maintenance fees
  • Nationwide ATM withdrawal fee refunds up to $20 per cycle
  • You are eligible to open Kasasa Saver®* and earn an additional 0.75% APY


  • Conduct 12 Debit Card Purchases
  • Enroll into e-Statements
  • Log into PHFCUOnline at least 1x
  • Be a member in good standing
  • Easy-peasy!



If you are an existing member who wants to add a Traditional Checking account, please click: Add New Checking

If you are interested in becoming a member, please open an account here:  Open New 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.
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 | You can make deposits in person, by mail, through an electronic ACH transaction, transfers through PHFCUOnline, or automatically through direct deposit/payroll deduction.
A | Yes, you can have more than one savings or checking account. Do open an additional account, visit any location or open one online.
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.





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Building trust, nurturing dreams, inspiring hope. From home or car loans to Hawaii’s most innovative banking services, Pearl Hawaii is committed to you. 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