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Pearl Hawaii Credit Union
Android GET - On the App Store
Pearl Hawaii Credit Union
Apple GET - On the App Store

Bank from Home

with Pearl Hawaii's Online Branch

PearlHawaii_Online (8)



By enrolling in Pearl Hawaii’s Online Banking, or PHFCUOnline, you can take care of most banking needs without leaving your home, office, or favorite coffee shop – bank anywhere you have an internet connection.




Deposit Checks | Utilize SnapDeposit to post checks digitally. It’s free!

Transfer Money | Transfer money between your accounts or to an account at another financial institution.

PearlPay | Pay your bills using Bill Pay or send money person-to-person (also called P2P). Send money directly to friends, family, or anyone at all- at any time and on the spot. Pearl Hawaii’s PearlPay services let you make secure online payments from your checking account directly into nearly any account at a U.S. financial institution – and all you need is the recipient’s name and email address.

Apply for Loans | Apply for home, auto, personal loans, or credit cards. You would be surprised how much money you can save when you refinance with Pearl Hawaii.

Open New Accounts | Open a Teen or Momi, savings, or checking account plus more while never leaving home.

Access | Individual logins among joint accounts.


e-Statements | All of your statements are archived in one secure space.

Stop Payments | Sent a check you did not mean to? You can stop payment without ever stepping into a location.

LIFE (Loans, Investments, Finances, Earnings) Manager | Link your accounts at other financial institutions to make transfers, to view balances, and manage money more efficiently. Create a budget, plan out your life, assign accounts, add expenses or income, create goals, or monitor your progress and spending habits.

Balance/Transaction History | Get your transaction histories on all accounts. Search and view deposited checks. Also, export history to spreadsheet software any way you want.

Status Changes | Keep tabs on your account balance and verify transactions. Also, view pending Debit Card charges, checks deposited, and credit card transactions.  There is so much more in one area to make your finances easier to manage.



Secure Messaging | You can communicate with a Pearl Hawaii staff member about your personal information through our secure messaging system. Ask our staff questions about your loan, account, or change your address.

Security | Multi-Factor Authentication with a choice of text, email, or a phone call. Simply, login to our App with your fingerprint or with face recognition.

Alerts | Online Banking alerts provide a quick and easy way for you to stay on top of your account activity. Once you log in, sign up to receive alerts via email, text, or through a push notification. You are in control and can configure the alerts any way you want.






Customization | Customize your dashboard experience by choosing and organizing your accounts.

ADA compliant | Customize our site to make it more efficient for your needs.

Access | Access your account with a variety of devices. Additionally, you can access PHFCUOnline with your SmartWatch.

Add Pictures or Files | Want to keep track of your receipts, add a copy of a bill you just paid, or perhaps take a picture of whatever you just purchased? With PHFCUOnline, do all of your banking in one place.



How do I log into my account? Please visit Login Instructions

How do I download the Pearl Hawaii app? Download our app at Mobile Banking.

How do I get started with PHFCUOnlineRegister here


Q | How do I log into my account?

A| Please visit Login Instructions


Q| How do I download the Pearl Hawaii app?

A| Download our app at Mobile Banking.


Q| How do I get started with PHFCUOnline?

A| Register here


Upgrade you.

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


* Transaction limits apply to certain services. Certain features require enrollment and or that your account is in good standing. Pearl Hawaii Federal Credit Union reserves the right to revoke access to these services.