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Pearl Hawaii Credit Union
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Account Change

Pearl Hawaii has been working very hard to evaluate all aspects of our existing operations to ensure ongoing success. Through these evaluations, the Credit Union has identified account numbers that are required to change for system and/or security reasons.

Affected members received a letter to alert them of this required account change. We will not ask you to do anything or provide any information as a result of these communications.


CAN I STILL USE MY CHECKS? If you were utilizing checks, Pearl Hawaii will issue you a new box of checks. Please use these checks immediately and discontinue use of your existing checks.

DO I HAVE TO CHANGE MY AUTOMATIC, ACH PAYMENTS, OR DIRECT DEPOSITS? Existing ACH Payments and direct deposits that were created prior to the account number change will be transferred over to your new account number automatically.

Some payroll companies may conduct a validity check on the account, which may result in you receiving a paper check for that pay period. Consequently, there may be a short delay with the deposit of your funds. Depending on your employer’s policy, direct deposit may take up to two pay periods. If you have any payments or transfers linked to your deposit, you may have to set up this again.

To set up an ACH payment or direct deposit, please use your new account number and Pearl Hawaii’s Routing Number (321380328).

WHAT HAPPENS TO MY EXISTING SERVICES? You can still use your Debit and Credit Cards as you normally do. All existing certificates and loan terms will remain in effect as described in your account and loan agreements.

HOW DO I ACCESS MY ACCOUNTS ONLINE OR WITH MY DEVICE? Please continue to access PHFCUOnline and mobile banking using your current login credentials.

WILL I STILL BE ABLE TO ACCESS MEMBER TELEPHONE SYSTEM (MTS)? Yes, when logging in, please use your new account number and access code.



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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


Building trust, nurturing dreams, and inspiring hope. One meaningful experience at a time.


For nearly 90 years, Pearl Hawaii has provided banking services to Oahu. From loans like credit cards, mortgages, personal loans, and new or used auto loans to savings products like checking accounts with no minimum balance or monthly service fee, reward checking, teen and kid accounts, and investments… all with innovative and top-notch digital banking options. We have a ton to offer. It doesn’t stop there. Community events, volunteerism, and giving back — we do that too. We are banking, but with oomph.

Opening your account is easy. You can get started online or give us a call. We’re always excited to talk to new members. Get Pre-Qualified with Pearl Hawaii and apply for your loan. Know what you can afford before you start shopping. Let Pearl Hawaii’s loan experts take care of you so you can get to the fun stuff. 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 with the most innovative products and services.