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Checking Account

Enjoy the easy life

Because carrying loose change is a hassle on the beach.

Haleiwa Bridge
  • Everything you need

    A Pearl Hawaii checking account comes with all the bells and whistles. Enjoy online and mobile banking, no monthly fees, and no minimum balance. Plus, you'll get a slick debit card you can use pretty much anywhere. We are also the home of Oahu's Teen Debit Card Account.
    • Manage your money online
    • Deposit checks with your phone
    • Includes Debit MasterCard
    • Bigger savings with no monthly fees
  • Pearl Hawaii Federal Credit Union utilizes First Hawaiian's ATM network. For a complete list, visit: ATM Locations
    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.
    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.
    You can make deposits in person, by mail, through an electronic ACH transaction, or automatically through direct deposit/payroll deduction.
    Our routing number is 321380328.
    Yes, you can have more than one savings or checking accounts.
    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.
    To reorder checks, you'll need PHFCU's routing number. It's 321380328. 
    You'll also need to have your correct account number. If you are unsure what your account number is, please call us at 808-737-4328 (73-PHFCU).
    1. To reorder checks by phone, give us a call at 877-838-5287.
    2. To reorder checks online, simply fill out the form.

Open your account online

Ready for an upgrade? Open your checking account right here in just a few minutes.