Skip nav to main content.

Q | What is ODP or Overdraft Privilege?

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.

Test Modal

Modal Content

Ea rerum vel molestiae omnis molestias. Et ut officiis aliquam earum et cum deleniti. Rerum temporibus ex cumque doloribus voluptatem alias.

Example table

Rates effective as of: April 4, 2026

{Optional: Insert table disclosure information}

Open Account

Not a Member, Yet?

Open Your First Account

Already a Member?

Request Additional Account

 

Check your application status

Leaving Our Website

By accessing this link, you will be leaving the Credit Union’s web site and entering a web site hosted by another party.

Although the Credit Union has approved this as a reliable partner site, please be advised that you will no longer be subject to, or under the protection of, the privacy and security policies of the Credit Union’s web site. The other party is solely responsible for the content of its web site.

We encourage you to read and evaluate the privacy and security policies on the site you are entering, which may be different than those of the Credit Union.

You will be leaving the credit union’s site.

Log in to Online Banking

We are receiving reports that our members may have received a fraudulent text message stating they have past due traffic infractions. For more details, CLICK HERE to read the publication on the Hawaii State Judiciary website