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…
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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 teen’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.
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- MasterCard Guide to Benefits – Debit
- Direct Deposit & Payroll Allotment
- Order Checks
- Request a Debit Card Online
- Online Banking Login Instructions
- Pearl Wallet
- e-statements
- Additional Services
- Financial Education
- Think Inside the Box (The Safe Deposit Box)
- Are CD Rates Getting You Down? Try Reward Checking…
- High-Yield Reward Checking Puts You In Control
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CHECKING ACCOUNTS
A | Save time by ordering online. You can order custom checks, checkbook covers, address labels and other accessories. It's fast, easy and secure. Just enter the account and routing number and select account type (personal or business) you want to order.A | An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. When you pay with a check or debit card and you don’t have enough funds in your checking account to cover the amount of the transaction, you may be assessed a fee from not only Pearl Hawaii Federal Credit Union, but you may be assessed additional fees from the payee’s financial institution and the merchant. If you have 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... and best of all, no bounced check or declined transaction!A | We will charge you a fee (as stated in your Schedule of Fees) each time we pay an overdraft. Although we do not charge a daily fee for an overdrawn account, we will remove this service if you are overdrawn for 30 days or more. In order to maintain this service, you will need to bring your account balance to a positive balance within thirty days for a minimum of 24 hours, not be in default on any loan or other obligation to Pearl Hawaii, and not have any legal or administrative order or levy on your account. Please remember... Pearl Hawaii will pay overdrafts within the overdraft privilege limits, but payments on an overdrawn account are a courtesy. Generally, overdrafts will be limited to a maximum of a $500.00 overall negative balance. This amount also includes any overdraft fees. For more information, please read the Discretionary Overdraft Privilege Policy.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.A | 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.A | 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.A | You can make deposits in person, by mail, through an electronic ACH transaction, transfers through PHFCUOnline, or automatically through direct deposit/payroll deduction.A | Yes, you can have more than one savings or checking account. Do open an additional account, visit any location or open one online.A | 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.TEEN DEBIT & CHECKING
A | Parents or legal guardians can set up an automatic allowance, conduct one-time transfers, reward their teen's goals with cash, remove money, view transactions, and receive text alerts and notifications with PHFCUOnline or our mobile app.A | Teens can check their balance, set up savings goals, set aside money for spending or saving, deposit checks, set up a direct deposit, and get account text alerts and notifications with PHFCUOnline or our mobile app.A | As a joint account holder, you’ll be able to access your teen’s debit & checking account at any time. Set up text alerts and email notifications for card transactions and account activity with PHFCUOnline, our mobile app, and Pearl Wallet.A | You have complete control. You can control how, when, and where the card can be used. You will be able to turn the card on and off. Additionally, you can set up controls for what location the card can be used, what times it can be used, and what merchants your teen can use their card. Also, you can control spending limits and restrict spending to merchants in your geographic area. Register with PHFCUOnline, download our mobile app, and download Pearl Wallet.A | Pearl Hawaii's mobile features let you see transactions within PHFCUOnline. Once you’re registered, download our app through your device's app store.A | Once your teen's account is open, they will receive a Pearl Hawaii Debit MasterCard in their name that they can use to make purchases or withdraw cash where MasterCard® is accepted. They can visit one of our participating branches to have an Instant Issue Debit Card printed while they wait after they choose a design that they would prefer. If you don't have time to come in, we can also send you the standard Pearl Hawaii Debit MasterCard through the mail.A | Any teen who is 13 - 18 can open their account with their parent or legal guardian. Once they turn 18, your teen can choose to open their own checking account and transfer their balance.A | Pearl Hawaii's Teen Checking and Debit account helps your teen learn how money works. They can set up and work toward a specific savings goal and you can monitor their progress every step of the way. Essentially, your teen will be able to open an account, conduct transactions, and practice their budgeting skills.DEBIT CARDS
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ARTICLES TO GET YOU STARTED
- Practice Better Money Habits
- Create a Budget
- Trim Your Budget
- Out of Work?
- The Upside of Frugality
- The Rule of 72
- Bank From Home
CALCULATORS
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Checking
BENEFITS Minimum Balance Kasasa Cash®* 2.25% APY up to a balance cap of $10,000 | APY Range 2.25%-0.43% $0 Open Kasasa Cash Back®* 2.50% cash back on qualified debit card purchases up to $400.00 $0 Open Kasasa Tunes®* Up to $10.00 monthly reward for iTunes, Amazon.com or Google Play purchases $0 Open Pearl Checking No minimum deposit, monthly service fee, or minimum balance requirement. $0 Open Teen Debit & Checking No minimum deposit, monthly service fee, or minimum balance requirement. $0 Open Teen Debit Card Account Disclosures
Please bring your teen’s social security card when opening the account. Opening/minimum balance is $5.00. Certain conditions and restrictions may apply. An adult (the account owner) will be responsible for all transactions, fees, and overdrafts that occur. Must be aged 13 to 17.
Kasasa Account Requirements (Cash, Cash Back, Tunes)
Account must have a minimum of twelve (12) Pearl Hawaii Federal Credit Union (PHFCU) Debit Card authorized purchases or automatic transactions that post to their account during the Monthly Qualification Cycle. PHFCU’s “Monthly Qualification Cycle” means a period beginning one (1) day prior to the first day of the current statement cycle through one (1) day prior to the close of the current statement cycle. Account must be enrolled into eStatements and opted-out of paper statements. Member must log into PHFCUOnline at least one time per month. Member’s accounts need to be in good standing in order to open, maintain, or hold open a Kasasa account. “Good Standing” means not incurring PHFCU a loss through accounts, fees, services, and/or loan products.
Rewards and ATM fee reimbursements will be credited to the appropriate Kasasa account on the last day of the statement cycle. APY = Annual Percentage Yield. APY’s are accurate as of 5/01/19. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings. Account approval, conditions, qualifications, limits, time frames, enrollments, log-ons and other requirements may apply. No minimum deposit is required to open the account. Limit 1 account per Social Security Number. You must be an existing PHFCU member in good standing to open a Kasasa Account. There are no recurring monthly maintenance charges or fees to open this account. Visit any location for additional information, details, restrictions, processing limitations, and enrollment instructions.
Qualification Information
Qualified purchases include point-of-sale transactions conducted with or recurring automatic charges utilizing a PHFCU authorized Debit Card. The following activities do not count toward earning account rewards: ATM-processed transactions, online banking transactions, transfers between accounts, ATM card or credit card purchases or transactions, debit card purchases processed by merchants and received by PHFCU as an ATM transaction, or transactions on your account from a debit card not issued by PHFCU. Account transactions and activities may take one or more days to post and settle to the account. All transactions must post during the Monthly Qualification Cycle in order to qualify for rewards.
Reward Information
Rewards vary by account. Depending on what Kasasa account you open, you will receive the following rewards when you meet your account’s qualifications during a Monthly Qualification Cycle:
Kasasa Cash
Balances up to $10,000 receive an Annual Percentage Yield (APY) of 2.25%; and balances over $10,000 earn 0.25% APY, resulting in a range from 2.25% to 0.43% APY dependent on the account’s balance. When account qualifications are not met, all balances in a Kasasa Cash account earn 0.05% APY and ATM fees are not reimbursed. Automatic transfer from Kasasa Cash to Kasasa Saver occurs within one (1) business day and may cause an overdraft to your Kasasa Cash account if the account’s balance is less than the transferred amount when the transfer occurs.
Kasasa Cash Back
Receive 2.50% cash back on qualified debit card purchases up to $400.00 that post and settle to the account during the Monthly Qualification Cycle. A maximum of $10 cash back payments may be earned per Monthly Qualification Cycle. Transactions may take one or more banking days from the date the transaction was made to post to the account. Automatic transfer from Kasasa Cash Back to Kasasa Saver occurs within one business day and may cause an overdraft to your Kasasa Cash Back account if the account’s balance is less than the transferred amount when transfer occurs. When account qualifications are not met, no earnings are earned and ATM fees will not be reimbursed.
Kasasa Tunes
You will earn up to an aggregate total of $10.00 (which includes any applicable taxes) in refunds for any iTunes, Amazon.com or Google Play purchases. In order to be refunded, purchases must be made with your PHFCU Debit Card and must post and settle to your account no more than 30 days after the Monthly Qualification Cycle in which you qualified ends. When account qualifications are not met, account activity for iTunes, Amazon.com, or Google Play purchases will not be refunded and ATM fees are not reimbursed.
Kasasa Saver
(Linked to a Kasasa Cash or Kasasa Cash Back account): Balances up to $20,000 in your Kasasa Saver account receive a 0.75% APY. Balances over $20,000 earn 0.25% APY, resulting in a range from 0.75% to 0.33% APY, dependent on the account’s balance. When account qualifications are not met, all balances in a Kasasa Saver account earn 0.05% APY and ATM fees are not reimbursed. When linked to the Kasasa Saver account, the interest earned within the linked Kasasa Cash account do not compound since it is automatically transferred to the Kasasa Saver account. The actual interest amount transferred from the Kasasa Cash account to the Kasasa Saver account may be less than the advertised Kasasa Cash APY if the advertised APY is represented without a linked Kasasa Saver account. A Kasasa Cash or Kasasa Cash Back account is required to have a Kasasa Saver account. A linked Kasasa Saver account is required for automatic savings.
ATM Fee Refunds
You will receive reimbursements up to $20.00 for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. If you have not received an appropriate reimbursement, we will adjust the amount if we receive the ATM receipt within sixty (60) calendar days of the ATM transaction.
iTunes is a registered trademark of Apple, Inc. Amazon is a registered trademark of Amazon.com. Google Play is a registered trademark of Google Inc. Apple Inc., Amazon.com and Google are not participants in or sponsors of this program.
Kasasa, Kasasa Cash, Kasasa Tunes and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.
Federally Insured by NCUA.
Upgrade You At Pearl Hawaii
From the finest service to the latest tech, we’ve got your back in every possible way. At Pearl Hawaii, we are committed to providing you the most innovative products and services. From home or car loans and helping you with other banking services. Bank at any of our Oahu locations in Waipahu, Ewa Beach, Waianae, Honolulu, Pearl Harbor, or near the Airport. Additionally, you can bank using PHFCUOnline just like one of our branches. To contact us, call us at 808.737.4328, toll-free at 800.987.5583, or email us at MyFamily@phfcu.com.
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