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Q | Why was my bill payment sent out as a check and not electronically?

A | Our bill payment system will screen each payment added by you to verify that the payee is able to accept electronic payments. If the payee is able to receive electronic payments, your payment to them will be received within 2 to 3 business days.

If the payee is not able to receive electronic payments, our system will generate a check to be sent via mail (sent from the East Coast). Mailed payments are normally received within 5 to 7 business days.

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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 .