Teen Account

A | Pearl Hawaii's Teen Debit & Checking account is available both online and in-person at Pearl Hawaii locations. Get started with awesome free digital tools and a top-rated mobile app to help your teen manage their money anywhere and anytime.

A | Parents or legal guardians can set up an automatic allowance, conduct one-time transfers, reward their teen's goals with cash, remove money, view transactions, and receive text alerts and notifications with  PHFCUOnline or our mobile app.

A | Teens can check their balance, set up savings goals, set aside money for spending or saving, deposit checks, set up a direct deposit, and get account text alerts and notifications with PHFCUOnline or our mobile app.

A | As a joint account holder, you’ll be able to access your teen’s debit & checking account at any time. Set up text alerts and email notifications for card transactions and account activity with PHFCUOnline, our mobile app, and Pearl Wallet.

A | You have complete control. You can control how, when, and where the card can be used. You will be able to turn the card on and off. Additionally, you can set up controls for what location the card can be used, what times it can be used, and what merchants your teen can use their card. Also, you can control spending limits and restrict spending to merchants in your geographic area. Register with PHFCUOnline, download our mobile app, and download Pearl Wallet.

A | Pearl Hawaii's mobile features let you see transactions within PHFCUOnline. Once you’re registered, download our app through your device's app store.

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.

A | Any teen who is 13 - 18 can open their account with their parent or legal guardian. Once they turn 18, your teen can choose to open their own checking account and transfer their balance.

A | Pearl Hawaii's Teen Checking and Debit account helps your teen learn how money works. They can set up and work toward a specific savings goal and you can monitor their progress every step of the way. Essentially, your teen will be able to open an account, conduct transactions, and practice their budgeting skills.

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.