Once you open an account at Pearl Hawaii, you will be able to take advantage of several benefits and services to assist you with your banking needs.
ACCESS
Shared Branching Pearl Hawaii members have access to many locations locally and thousands nationwide
Mobile App Download our app from your smartphone’s app store (search for Pearl) DETAILS & DOWNLOAD
ATM Access Members have surcharge-free access through First Hawaiian Bank ATMs.
PHFCUOnline
Digital Wallets (Apple, Google, Samsung)
PearlWallet Cardholders can review their card transactions, set alerts, develop controls, make payments, report a card as lost or stolen, and add or remove the cards they wish to manage. DETAILS + DOWNLOAD
PHFCUOnline
- Open or Add accounts
- See past statements
- Pay your bills
- View checks
- Transfer funds to your other accounts, at another financial institution, to another member, or you can use PearlPay to transfer to someone not with Pearl Hawaii.
- Manage Money with LIFE (Loans, Investments, Finances, Earnings) Manager
- Deposit Checks with SnapDeposit
- Secured Messaging
- Apply for a Loan
LOANS
- Personal (Emergency, Tax, Debt Consolidation, plus more!)
- New Auto
- Used Auto (up to 12 model years old)
- Motorcycle
- Partially Secured
- Overdraft Lines of Credit
- Savings Certificate Secured
- Share Secured
- Credit Cards
- Smart Advance1 (Payday Loan Option)
- PAL Certificate (Pre-Approved Loan)
- Student Loan- Sallie Mae
- Credit Create (First Time Credit Program)
HOME LOANS
- 30 Year Mortgages (Conventional, Investment, First Time Home buyer available)
- Home Equity Loans (up to 30 year terms)
- Home Equity Lines of Credit (HELOC)
- Closed-End Second Mortgage Loans
- HELOC Fixed Advance
- No Point Options
LOANS PRODUCTS
- Guaranteed Auto Protection (GAP) Plus
- Mechanical Repair Coverage (MRC)
- Pre-Approved Loan (PAL) Certificate
- Automatic Payments
- Loan Debt Protection
- Loan Protection
ACCOUNTS
- Savings Accounts
- Checking Accounts
- Checking Rewards (Cash, Cash Back, or Gift Card)
- Jumbo Savings Account
- Holiday Savings
- Savings Certificates
- Momi’s Money (Kids aged 12 and younger)
- Teen Debit Account (Teens aged 13-17)
Some of your Services
- Coin Sorting Services Via Coinstar | Waipio, Airport
- Money Orders
- Cashier’s Checks
- Wire transfer of Funds
- Safe Deposit Boxes
- ATM + Debit Cards
- Special Offers from Local and National Companies
- Overdraft Line-of-Credit
- Overdraft Privilege
- Pearl Wallet | monitor your card and receive alerts
- Financial Literacy
- Instant Issue Debit Cards | Waipio, Waianae, Airport
- Coach
- Calculators
- Upgrade | Our blog
- Newsletters
INVESTMENTS
Pearl Hawaii Wealth Advisors
- Retirement
- Financial Management
- Education Planning
- Wealth Management Investments Individual Retirement (IRA)
- Meet your Advisor
INSURANCE
- Life
- Long-Term Care
- Disability Income
- Accidental Death and Dismemberment
- Term Life
- Whole Life
- Lifetime Income Plan
- Auto
- Home
