Skip nav to main content.

Q | What ATMs can I use?

A | We have an ATM machine located at our Waipio Branch (94-449 Ukee Street).   Pearl Hawaii also partners with First Hawaiian Bank to allow our members the use of their ATMs, commonly located in Zippy’s Restaurants and 7-Eleven stores.  The first 5 transactions per month are free.  Thereafter, a $1 fee is charged for each balance inquiry, transfer, withdrawal and/or denial.

FRAUD ALERT: Beware of people calling claiming to be from Pearl Hawaii where the caller ID says Pearl Hawaii. Pearl Hawaii will never ask you to respond to a text to reverse or erase a transaction, or ask for passwords, PINs, card numbers, Social Security numbers, or authentication codes. If you shared personal information, contact us immediately at 808-737-4328 or MyFamily@phfcu.com .