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

CHECKING ACCOUNTS

REWARDS | CASH BACK | TRADITIONAL | TEEN DEBIT & CHECKING | ONLINE CHECKING

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FEEL FREE WITH PEARL HAWAII’S CHECKING ACCOUNTS

Discover checking options that are custom-made by you to fit your lifestyle. Ensuring that your purchases are easy and secure whether you are shopping online or in-person at a store is a top priority. Enjoy flexibility, innovation, and security with any one of Pearl Hawaii’s Checking Accounts…

 

NO SERVICE FEES, EVER.

PEARL CHECKING

Pearl Hawaii’s Checking Account gives you all of the services, but none of the fuss. The latest advances in banking innovation, security, and technology have made everyday tasks safer and easier.

Pearl Hawaii offers several products and services for you to bank and shop safely while on the go or at home. PHFCUOnline, our Online Banking, is available through any device. Transfer money with PearlPay, pay bills, manage your life with LIFE Manager, make a deposit with SnapDeposit, and check balances anytime, anywhere.

MONTHLY SERVICE FEE | $0

MINIMUM OPENING DEPOSIT | $0

MONTHLY BALANCE REQUIREMENT | $0

FREE SERVICES |  Online Banking, Bill Payment, Mobile App, SnapDeposit, Debit Card or Instant Issue Card, PearlPay Transfers, Exclusive Member Discounts, plus more.

USEFUL LINKS

ENJOY CHECKING THAT PAYS YOU

KASASA CASH BACK CHECKING

With no minimum balance and no monthly maintenance fees, now you can get paid by simply opening a Cash Back Checking account. By doing a few things that you may do already, you can earn up to $10.00 per month*. All it takes is a couple of minutes of your time and we will do the rest…

MONTHLY SERVICE FEE | $0

MINIMUM OPENING DEPOSIT | $0

REWARDS | Earn up to $10.00 per month cashback when you spend $400 on qualified debit card purchases (2.50%* of purchases)

FREE SERVICES |  Online Banking, Bill Payment, Mobile App, SnapDeposit, Debit Card or Instant Issue Card, PearlPay Transfers, Exclusive Member Discounts, plus more.

BENEFITS | Nationwide ATM withdrawal fee refunds up to $20 per cycle. You are eligible to open Kasasa Saver®* and earn an additional 0.75% APY.

WHAT YOU NEED TO DO MONTHLY*

  • Conduct 12 Debit Card Purchases
  • Enroll into e-Statements
  • Log into PHFCUOnline at least 1x per Month
  • Be a member in good standing
  • Easy-peasy!

USEFUL LINKS

HIGH-INTEREST CHECKING

KASASA CASH CHECKING

Are you looking for a checking account that pays high dividends? With Pearl Hawaii’s Cash Checking, you can not only earn a High-Yield but there is no monthly service fee or a minimum deposit to open the account. Additionally, if qualifications are not met, we won’t fee you – actually, you will earn at least 0.05% APY* on your balance.

MONTHLY SERVICE FEE | $0

MINIMUM OPENING DEPOSIT | $0

MONTHLY BALANCE REQUIREMENT | $0

FREE SERVICES |  Online Banking, Bill Payment, Mobile App, SnapDeposit, Debit Card or Instant Issue Card, PearlPay Transfers, Exclusive Member Discounts, plus more.

REWARDS | Earn 2.25% APY up to a balance cap of $10,000 (APY Range 2.25%-0.43%). If account qualifications are not met, you will earn at least 0.05% APY* on your balance.

BENEFITS | Nationwide ATM withdrawal fee refunds up to $20 per cycle. You are eligible to open Kasasa Saver®* and earn an additional 0.75% APY.

WHAT YOU NEED TO DO MONTHLY*

  • Conduct 12 Debit Card Purchases
  • Enroll into e-Statements
  • Log into PHFCUOnline at least 1x per Month
  • Be a member in good standing
  • Easy-peasy!

USEFUL LINKS

CHECKING THAT FUNDS YOUR FUN

KASASA TUNES

Get rewarded with your favorites and receive refunds from your purchases from iTunes®, Amazon®, and Google Play™.

MONTHLY SERVICE FEE | $0

MINIMUM OPENING DEPOSIT | $0

REWARDS | Earn up to $10.00 in refunds for iTunes®, Amazon.com® or Google Play™ purchases every month*

FREE SERVICES |  Online Banking, Bill Payment, Mobile App, SnapDeposit, Debit Card or Instant Issue Card, PearlPay Transfers, Exclusive Member Discounts, plus more.

BENEFITS | Nationwide ATM withdrawal fee refunds up to $20 per cycle. No minimum balance to earn rewards.

WHAT YOU NEED TO DO MONTHLY*

  • Conduct 12 Debit Card Purchases
  • Enroll into e-Statements
  • Log into PHFCUOnline at least 1x per Month
  • Be a member in good standing
  • Easy-peasy!

YOUR FIRST FINANCIAL STEP

PEARL HAWAII’S TEEN DEBIT & CHECKING 

Give your teens the financial tools today to build the future they want with Pearl Hawaii’s Teen Debit & Checking Account. Keep track of their spending and help them save toward their goals with PHFCUOnline and our mobile app. Also, teens can customize their banking experience within our online banking system.

MONTHLY SERVICE FEE | $0

MINIMUM OPENING DEPOSIT | $0

MONTHLY BALANCE REQUIREMENT | $0

FREE SERVICES |  Online Banking, Bill Payment, Mobile App, SnapDeposit, Debit Card or Instant Issue Card, PearlPay Transfers, Exclusive Member Discounts, plus more.

BENEFITS |

  • Use First Hawaiian Bank ATMs
  • Debit Card customization and same day printing with Instant Issue
  • An app that gives you complete control and an app where they can manage their own transactions and savings.
  • Online Banking that’s customizable so your teen can practice money management

COMPLETE OVERSIGHT FOR YOU

  • TOTAL ACCESS FOR PARENTS | As a joint account holder, you manage your child’s account.
  • TRANSFER FUNDS ANYTIME |  Set up your child’s allowance with a recurring transfer or transfer money as needed.
  • COMPLETE CONTROL FOR PARENTS | 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  | Set up text messages if your child exceeds spending limits, their account balance is low, or they have met the thresholds that you set.

DETAILS