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Q | How do teen debit cards work?

A | Once your teen’s account is open, they will receive a Pearl Hawaii Debit MasterCard in their name that they can use to make purchases or withdraw cash where MasterCard® is accepted. They can visit one of our participating branches to have an Instant Issue Debit Card printed while they wait after they choose a design that they would prefer.

If you don’t have time to come in, we can also send you the standard Pearl Hawaii Debit MasterCard through the mail.

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Rates effective as of: May 25, 2026

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We are receiving reports that our members may have received a fraudulent text message stating they have past due traffic infractions. For more details, CLICK HERE to read the publication on the Hawaii State Judiciary website