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Q | Why should I opt-in to ODP or Overdraft Privilege?

A | An overdraft happens when your account doesn’t have enough funds to cover a transaction, but we authorize the payment anyway. If you use a check or debit card without sufficient funds in your checking account, you could face fees not only from Pearl Hawaii Federal Credit Union, but also from the merchant and their financial institution. However, with Overdraft Privilege, you’ll only incur a fee from Pearl Hawaii helping you avoid extra charges from others. Best of all, your transaction goes through smoothly, with no bounced checks or declined payments!

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Rates effective as of: April 29, 2026

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Important Security Alert – Individuals impersonating Pearl Hawaii FCU’s Fraud Department have been calling members and asking them to verify fraudulent transactions. Don’t provide them with your information. Call us directly at (808)737-4328 to report the incident .