In September, Pearl Hawaii will begin its conversion over to a new card processor, enabling us to provide you with enhanced card services. We are excited about the changes ahead and look forward to providing you with continued outstanding financial products and services.
- Conversion begins at 10 pm HST.
- Instant Issue service is temporarily unavailable until 10/15 or while supplies last. If the debit card supply runs out, we will have to temporarily suspend this service before 9/15.
- 12:00 am HST Update | Debit Card & ATM transactions may be declined. Most PIN transactions will work during the conversion process.
- CardValet will be discontinued. In its place, we are introducing Pearl Wallet.
- Our recent debit card conversion experienced an issue with two-part debit card transactions. These transactions send an authorization followed by a posting transaction within two or three days. The authorization part of the transaction has been received without any problems. Unfortunately, we are experiencing a delay with posting the transaction to your account. We are working diligently with our vendor and hope to have a resolution very soon. We would like to assure you that your payments have been received by the merchants and you do not have to arrange for other methods to pay them.
- All two-part debit card transactions that occurred between 9/16 – 9/24 have been posted.
- Debit Card signature-based transactions that were conducted between 9/15 and 9/24 were posted to accounts on 9/29.
Our recent debit card conversion experienced a delay with posting two-part signature-based debit card transactions in a timely manner. Signature transactions first send an authorization to hold the funds on your account followed by the posting transaction which is normally posted to your account within two or three days. You may have noticed the authorization part of the transaction was received and held against your account, but your account was never debited for the transaction until 9/29.
We apologize for the confusion and frustration this has caused you. We understand that the delay in posting debit card signature transactions has caused a lot of confusion, frustration, and anger. Please be assured that we will reverse any related fees that you may have incurred. Additionally, if your account has gone negative as a result of this situation, we will rectify this situation. If you have any questions or concerns, please call us at 808.73.PHFCU (737.-4328) or email us at MyFamily@phfcu.com.
- The first group of contactless Debit Cards will be mailed to members (cards will be sent over a 3 month period).
- Instant Issue product resumes (tentative date)
- Credit Card conversion begins
ADDED CARD SERVICES
Tap and pay to speed up the transaction, reduce physical contact with the terminal, and prevent wear and tear on your card allowing it to last for a longer period of time.
FRAUD MONITORING TOOLS
Receive SMS text messages and approve or reject questionable transactions.
Set notifications so you know where your card is used and when.
View your Pearl Hawaii credit card and debit card activity in one place. Additionally, there will be improved online and mobile navigation tools that are easy for you to use.
Load your card to your mobile device instantly while you wait for your plastic card to arrive. Your cards will be accessible in your electronic wallet, which makes online shopping easier. Additionally, if you misplace your physical card, you will be able to still access your cards.
Access Apple Pay, Google Pay, or Samsung Pay with your debit or credit card.
IMPROVED REPORTING SYSTEM
Review your transaction history, click on a disputed transaction, select a dispute reason and submit the dispute. It’s that easy!
What is the official date of conversion?
Debit Cards will be converting on September 15, 2021. Credit Cards will convert during the first quarter of 2022.
Will my Debit Card number change?
No, your debit card number will remain the same.
Will you receive a new card?
Yes, you will. Pearl Hawaii’s new contactless cards will be sent to members who have had activity on their Debit Card within the last 24 months.
Will the 24/7 Card Service phone number be the same?
Yes, the number will be the same.
Will there be an interruption in service while using the card? If I use my Debit Card, could I be declined?
Your card will continue to work, however, spending limits may be lowered (offline limits) during the conversion period. As with any conversion, there may be unexpected interruptions.
What services will be interrupted?
CardValet will be discontinued, but Pearl Hawaii will be offering Pearl Wallet in its place. As a result, you will need to enroll in the new service.
Dependent on your setup, you may need to enroll your Debit Card with merchants where you use your Pearl Hawaii Debit Card as a payment source and/or update the information (e.g., your expiration date and security code). For example, payment sources may include Venmo, GrubHub, Uber, Starbucks, Amazon, Lyft, Etc.
Will my Personal Identification Numbers (PIN) change?
You will need to assign a PIN to your new contactless Debit Card.
If I did a preauthorized or recurring bill payment with my PHFCU Debit Card, do I need to make any changes?
Yes, although the card number will remain the same, you will need to update the expiration date and security code with the merchant.
Are there any other credit card conversions scheduled soon?
Yes, during Q1 2022, we will convert our credit card program to the DX Online platform. This will be the final step in our card migration journey.