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Q | Why should I opt-in to ODP or Overdraft Privilege?

A | An overdraft happens when your account doesn’t have enough funds to cover a transaction, but we authorize the payment anyway. If you use a check or debit card without sufficient funds in your checking account, you could face fees not only from Pearl Hawaii Federal Credit Union, but also from the merchant and their financial institution. However, with Overdraft Privilege, you’ll only incur a fee from Pearl Hawaii helping you avoid extra charges from others. Best of all, your transaction goes through smoothly, with no bounced checks or declined payments!

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Rates effective as of: April 19, 2026

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We are receiving reports that our members may have received a fraudulent text message stating they have past due traffic infractions. For more details, CLICK HERE to read the publication on the Hawaii State Judiciary website