Building trust, nurturing dreams, inspiring hope. From home or car loans to Hawaii’s most innovative banking services, Pearl Hawaii is committed to you. 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.

For your protection and ours, when a check is accepted, a hold for that amount is temporarily placed on your account until the check clears.
	TYPE OF CHECK	When funds can be withdrawn
	Checks $5000.00 and under	2 Business Days After the Day of Deposit
	Checks over $5000.00	5 Business Days After the Day of Deposit
	Checks deposited into overdrawn accounts or accounts that have patterns of non-sufficient funds or questionable repayment	7 Business Days After the Day of Deposit
	No Hold Exception Checks	Available the Same Day
The first $200.00 of the day’s check deposits will be released the same day unless the account has a negative balance. NO HOLD EXCEPTION ITEMS \| Federal & State of Hawaii issued checks, Official/Certified/Cashier’s checks (only if issuance is verified), Payroll checks (with previous deposit history or coordinating paystub for checks less than $2,000.00), U.S. Postal Money Orders (only if issuance is verified) and Traveler’s Cheques. BUSINESS DAY \| includes Monday – Friday (does not include Saturdays, Sundays and Federal Holidays). SHARED BRANCHING\|The individual’s credit union may have a different check hold/funds availability policy. Please contact the host credit union for more information. OTHER\| Special rules may apply for the first 30 days your account is open. Checks must be received either printed or written in black or dark blue ink.

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Check Hold Policy

For your protection and ours, when a check is accepted, a hold for that amount is temporarily placed on your account until the check clears.

TYPE OF CHECK

When funds can be withdrawn

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