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Teen Debit Checking

Before They Fly the Nest

Train their financial wings with an account designed just for teens.

Teen Debit Card Account
  • Perfect Practice

    What better way for your teen to learn how to manage money before full adult responsibility kicks in? With their own Pearl Hawaii checking account and MasterCard, they can thrive on a little freedom and you can help them along the way. Adult relatives can co-sign so they can be money mentors during this important time of life.    
    • For ages 13-17
    • Comes with a Debit MasterCard
    • With our app, adults can monitor their teen's spending
    • Complete Control- Turn off their card if spending gets out of hand, shut down the card if they lose it, set limits on how much they spend, or let them spend money only in a certain zip code.
    • Free Account Alerts. Receive text messages if your child exceeds spending limits or if their account balance is low or met the spending threshold that you set.
    • No monthly service fee
  • To turn your card On or Off, you will need to download our CardValet app. Our free app lets you manage your card from anywhere. In addition to turning your card on and off, you can set spending limits and even make custom alerts based on things like geographic location.
    To get pending debit card information, log in to PHFCUOnline and review your checking transaction history. Your pending transactions will be listed as the most current transactions in your transaction history and will be identified as Pending.
    To change the PIN on your debit card, please call 1-800-992-3808.
    To activate your card and/or select your PIN, please call 1-800-992-3808.
    Please immediately call 808-73-PHFCU (808-737-4328) during business hours or 800-417-8715 or 844-202-5005 after business hours.
    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 Today

Time is of the essence during the teen years. Get your child on the right track by opening a checking account today.