Happy Graduation! You are on YOUR time now… Get started with a Pearl Hawaii account to help you on a path to a financially free life.
STEP 1 | OPEN A SAVINGS + REWARDS CHECKING ACCOUNT
START HERE:
MINIMUM OPENING DEPOSIT | $0
MINIMUM MONTHLY BALANCE REQUIREMENT | $0
MONTHLY SERVICE FEE | $0
FREE SERVICES | Online Banking, Bill Payment, Mobile App, SnapDeposit, Debit Card or Instant Issue Card, PearlPay Transfers, Exclusive Member Discounts, plus more.
TIPS WHEN FILLING OUT OUR ONLINE FORM
IDENTIFICATION | If you do not have a government-issued ID (for example, a driver’s license, State ID, or passport), we will accept your current high school ID and social security card. Select the Social Security option.
BENEFICIARIES | A beneficiary is any person who gains an advantage or profits from something typically left to them by another individual. Typically, this is a family member like a parent or sibling.
FUNDING | Add additional funding here. If you will be depositing your gift, select Not Funding At This Time. Your Graduation Gift Check will be deposited in step 3.
STEP 2 | WAIT FOR A CONFIRMATION TEXT OR EMAIL
Once your application has been successfully submitted, we will contact you to finalize the account opening process.
STEP 3 | ENROLL IN PHFCUONLINE & DEPOSIT YOUR GIFT CHECK
GET HAPPY WITH PEARL HAWAII
Once you open your account, download our app, register for PHFCUOnline, and deposit your Graduation Gift Check…
SnapDeposit
Deposit your Graduation Gift with SnapDeposit.
With a mobile device, simply take a picture, select your Savings or Checking account, enter the amount, and tada! Within 24 business hours, your check will be available in your account.
ONCE YOU OPEN AN ACCOUNT AT PEARL HAWAII, YOU WILL BE ABLE TO TAKE ADVANTAGE OF SEVERAL BENEFITS AND SERVICES TO ASSIST YOU WITH YOUR BANKING NEEDS.
ACCESS
Your Online Branch | Login Instructions
Shared Branching Pearl Hawaii members have access to many locations locally and thousands nationwide
Mobile Banking Download our app from your smartphone’s app store (search for Pearl)
ATM Access Members have surcharge-free access through First Hawaiian Bank ATMs.
Digital Wallets (Apple, Google, Samsung)
PearlWallet Cardholders can review their card transactions, set alerts, develop controls, make payments, report a card as lost or stolen, and add or remove the cards they wish to manage.
PHFCUOnline
- Bank From Home
- Open or Add accounts
- See past statements
- Pay your bills
- View checks
- Transfer funds to your other accounts, at another financial institution, to another member, or you can use PearlPay to transfer to someone not with Pearl Hawaii.
- Manage Money with LIFE (Loans, Investments, Finances, Earnings) Manager
- Deposit Checks with SnapDeposit
- Secured Messaging
- Apply for a Loan
- Debit Card Request
Learn more about your benefits and services and how you can upgrade you.
UPGRADE YOU.
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.
COMMUNITIES | FAQs | JOIN | JOBS | THE PEARL | UPGRADE | BENEFITS & SERVICES
OUR MISSION + VISION
Caring for our local community with outstanding service and awesome innovation.
OUR PURPOSE
Building trust, nurturing dreams, inspiring hope. One meaningful experience at a time.
