Disclosures and Forms

Pearl Hawaii Federal Credit Union

Mobile Deposit Capture – SnapDeposit Service Agreement

This Agreement as amended from time to time sets forth the terms and conditions for the Mobile Deposit Capture Service which is made available by Pearl Hawaii Federal Credit Union.       It defines your rights and responsibilities and those of the Credit Union with respect to Pearl Hawaii Federal Credit Union’s Mobile Deposit Capture-SnapDeposit Service (the “Service”). Please read it carefully before using the Service. In this Agreement the words “you”, “your” and “yours” refer to the Member or anyone who applies for or uses this Service. The words “we”, ”us”, “our” and “Credit Union” refer to Pearl Hawaii Federal Credit Union.

Both you and the Credit Union will be bound by this Agreement. If there is a conflict between this Agreement and something said by one of our employees, you agree that the information provided in this Agreement will prevail. If any part of this Agreement should be held to be unenforceable, the remaining provisions of this Agreement shall remain in full force and affect. You understand that the agreements and rules and regulations applicable to your Share/Savings Account, Checking Account, and any other account you have with the Credit Union remain in effect and continue to be applicable except as specifically modified by this Agreement. Other agreements you have entered into with the Credit Union, including Membership and Account Agreements, as amended from time to time, are incorporated by reference and made a part of this agreement.

By using the Mobile Deposit Capture-SnapDeposit Service or clicking the electronic signature “Accept” on the SnapDeposit enrollment or application page, you and any joint owners or authorized users, jointly and severally, agree to the terms and conditions in this Agreement, and any amendments. This Agreement is subject to change from time to time. We will notify you of any material change on our website(s) by providing a link to the revised Agreement or through notification within the service. Your continued use of the Services will indicate your acceptance of any such changes to the Service. The Credit Union reserves the right, in its sole discretion, to change, modify, add or remove portions from the Services.

I.  Mobile Deposit Capture – SnapDeposit Service.

Service Overview. Mobile Deposit Capture – SnapDeposit is a service designed to allow you to deposit original checks (“checks”) to your accounts from an approved mobile device and App by taking a photo of the original check(s), front and back, and delivering the digital images and associated deposit information (“images”) to us or our processor with your Mobile Device. The Credit Union’s processing agent will perform an image quality assessment of scanned checks or item and the Credit Union may, in its discretion, convert items meeting the Credit Union’s required standards into substitute checks to facilitate the deposit and collection of such items. You agree that the manner in which checks are cleared or presented for payment shall be determined by the Credit Union, in its sole discretion. We reserve the right to select the clearing agents through which we clear checks and you agree to be bound by any clearing house agreements, operating circulars and image exchange agreements to which the credit union is a party.

Service Eligibility. You must be a member in good standing to utilize this service. Eligibility is at the sole discretion of the Credit Union. We may suspend or permanently revoke this service, in our sole and absolute discretion. This service is available to Mobile banking and Online banking users through the Credit Union’s internet banking application.

Availability of Funds. Funds from items deposited through the Service will be available in accordance with the Credit Union’s Funds Availability Policy, as amended from time to time. Funds deposited via Mobile Deposit Capture are NOT subject to the funds availability requirements of Regulation CC. You agree that the imaging and transmitting of checks alone does not constitute receipt by the Credit Union. Also, acknowledgment of receipt or delivery does not constitute an acknowledgment by the Credit Union that the transmission of a check or items does not contain errors or that funds will be available. Checks deposited through Mobile Deposit are not received by the Credit Union until we have acknowledged receipt and provided credit to your account.

In addition to any other rights the Credit Union may have as regards your Accounts, we may hold and use funds in any deposit Account following termination of this Agreement for such time as the Credit Union reasonably determines that any Item processed by Pearl Hawaii Federal Credit Union prior to termination may be returned, charged back or otherwise a cause for any loss, liability, cost, exposure or other action for which the Credit Union may be responsible.

Processing Times. Our business days are Monday through Friday, except federal holidays. Transmissions processed after 2:00 p.m. Hawaii Standard time on a business day, or on any day that is not a business day, are treated as occurring on the next business day. i.e. Digital images received after 2:00 p.m. Hawaiian Standard Time on Friday, all day Saturday and Sunday are processed on Monday. Digital images processed for deposit through the Service will be deemed to have been received by the Credit Union for deposit at the time the Imaged Items are actually received and accepted at the location where Pearl Hawaii Federal Credit Union posts the credit to the Account.

Deposit Limitations. Mobile Deposits are limited in amount up to $5,000 per business day, $10,000 per week (Sunday through Saturday) and up to $20,000 within any calendar Month. We will notify you of your specific established individual limits on the dollar amount and number of items or deposits allowed through this Service. If you attempt to initiate a deposit in excess of these limits, we may reject your deposit. If we permit you to make a deposit in excess of these limits, such deposit will still be subject to the terms of this Agreement, and we will not be obligated to allow such a deposit at other times. Deposits made on non-business days will be aggregated with and applied to the next business days limits. Non-business days are generally Saturdays, Sundays, federal holidays and Hawaii state holidays observed by the Credit Union.

Deposit Acceptance. You agree that Credit Union may at any time, in its sole discretion, refuse to accept deposits of checks from you via a Mobile Deposit session. In the event that the Service is interrupted or is otherwise unavailable, you may deposit checks in-person at a Credit Union branch, at an authorized Shared Branching location, by mail or any other contractually acceptable method.

II.  Member Responsibilities.

 Member Account. You must designate and maintain one or more Credit Union savings or checking account as the account to be used for the purposes of receiving deposit transactions requested in connection with the Service. We will provide you with details of each specific transaction. You will be responsible for the reviewing and balancing of any settlement account.

Access to Service. Before attempting to access the Service, you must also have the ability to successfully login to Pearl Hawaii Federal Credit Union Mobile App to access your designated Mobile Deposit receiving account.

Responsibility for Imaging. You are solely responsible for imaging deposit items, accessing the service from the Credit Union and maintaining your mobile device. You will be responsible for the payment of all telecommunications expenses associated with the service. The Credit Union shall not be responsible for providing or servicing any Equipment or mobile device for you.

Security Procedures. You are solely responsible for establishing, maintaining and following such security protocols as deemed necessary to ensure that digital images transmitted directly to the Credit Union are intact, secure and confidential until received by the Credit Union. You shall take reasonable steps to safeguard the confidentiality and security of any passwords, Mobile Devices, and information provided in connection with the Service. You shall limit access to any passwords and Mobile Devices to persons who have a need for such access, closely and regularly monitor the activities of those who access the Service; notify the Credit Union immediately if you have any reason to believe the security of confidentiality required by this provision has been or may be breached; and immediately change the password if the Member knows or suspects the confidentiality of the Password has been compromised in any way.

Deposit Requirements. You agree that you will only use the Service to deposit checks drawn on financial institutions within the United States, excluding its territories. Each image must provide all information on the front and back of the original check at the time presented to you by the drawer, including, but not limited to, information about the drawer and the paying bank that is preprinted on the original check, MICR information, signature(s), any required identification written on the front of the original check and any endorsements applied to the back of the original check. The image quality must meet the standards established by the American National Standards Institute, the Board of Governors of the Federal Reserve, and any other regulatory agency, clearing house or association.

Check Endorsements

All checks submitted for deposit will require the following statement “For PHFCU Mobile Deposit Only” followed by all applicable signatures. Failure to properly endorse mobile deposit items will result in rejection of item.

Sample Endorsement

Applicable substitutions may include:

PHFCU: Pearl Hawaii FCU, Pearl Hawaii Federal Credit Union Mobile Deposit: Snap Deposit, Remote Deposit.

A check payable to two payees must be endorsed by both payees. If the check is payable to you or your joint owner, either of you can endorse it.

The Credit Union reserves the right to refuse, reject, or delay funds availability of deposits if and when all endorsement requirements stated are not met. In addition, any loss the Credit Union incurs from a delay or processing error resulting from an irregular endorsement or other markings by you will be your responsibility.

Check Retention & Destruction. You agree that all checks belong to you, and not to the Credit Union, and that those items shall be handled in accordance with this Agreement and your Membership and Account Agreement. After our receipt of a deposit transmission, we will acknowledge by electronic means our receipt of such transmission. Your electronic transmission is subject to proof and verification. You will retain the original of all imaged checks that have been deposited via Mobile Deposit Capture for a reasonable period of time in order to verify settlement and credit or to balance periodic statements, but in no case beyond ninety (90) days from the date processed. It is your responsibility to properly destroy and dispose of such original checks after such time. During the period that you maintain any original checks, you understand and agree that you must use a high degree of care to protect these original checks against security risks. These risks include, without limitation, (i) theft or reproduction of the original checks for purposes of presentment for deposit of these original checks (i.e., after the original checks have already been presented for deposit via the Service) and (ii) unauthorized use of information derived from the original checks. When you dispose of any original checks, you understand and agree that you must use a high degree of care when selecting and implementing disposal procedures to ensure that the original checks are not accessed by unauthorized persons during the disposal process and, once destroyed, the original checks are no longer readable or capable of being reconstructed.

Deposit Prohibitions. You agree not to deposit, attempt to deposit, or allow others, either directly or indirectly, to deposit or attempt to deposit, by any means: (i) any Substitute Check, the original of which has already been presented for deposit via the Service, (ii) any image of a check that has already been deposited either as an original or as a substitute check, or (iii) any original check, the Substitute Check of which has already been presented for deposit via Mobile Deposit. In the event that you, or any third party, makes, or attempts to make, a deposit in violation of this Subsection you agree to defend, indemnify, and hold the Credit Union and its agents harmless from and against all liability, damage and loss arising out of any claims, suits, or demands brought by third parties with respect to any such Substitute Check or original check.

You agree that you will be responsible for the aggregate amount of any items which are deposited more than once. To cover these items, funds will be debited from your account, and to the extent funds in your account are insufficient to cover such amount, any balance shall be debited by the Credit Union, in our sole discretion, from any other deposit accounts with Credit Union. You will be responsible for any deficiencies after all accounts have been exhausted. You further acknowledge that you and not the Credit Union is responsible for the processing and handling of any original items which are imaged and deposited utilizing the Service; and you assume all liability to the drawer for any item imaged using the service arising from the Credit Union’s printing of any substitute check from those images.

Your Representations and Warranties. You represent and warrant:

• That you will comply with all federal and state laws, and rules and regulations applicable to deposit and check transactions, including those of the National Automated Clearing House for ACH transactions, UCC, Regulation CC and the rules of any Substitute
• That all checks deposited through the Service are made payable to you and not payable to another
• That all checks deposited through the Service are made payable to you and/or another party who is a joint owner on the intended deposit
• That all signatures on each check are authentic and
• That each check has not been altered, or that you know or suspect, or should know or suspect, are fraudulent or otherwise not authorized by the owner of the account on which the check is
• That there are no duplicate presentments of a check in any form, including as a digitized image, as a paper negotiable instrument or otherwise and you assume responsibility for any such duplicate presentment of any check

In the event you breach any of these representations or warranties, you agree to defend, indemnify and hold the Credit Union and its agents harmless from and against all liability, damages and loss arising out of any claims, suits or demands brought by third parties with respect to any such breach. You further authorize the Credit Union to charge your account for the amount of any such demand, claim or suit that constitutes a breach of warranty claim under the provisions of the Uniform Commercial Code.

Financial Responsibility. You understand that you remain solely and exclusively responsible for any and all financial risks, including, without limitation, insufficient funds associated with accessing the Service. The Credit Union shall not be liable in any manner for such risk unless the Credit Union fails to follow the procedures described in materials for use of the service. You assume exclusive responsibility for the consequences of any instructions you give to the Credit Union, for your failures to access the Service properly in a manner prescribed by the Credit Union, and for your failure to supply accurate input information, including, without limitation, any information contained in an application.

Account Reconciliation. You will verify and reconcile any out-of-balance condition, and promptly notify the Credit Union of any errors within the time periods established in the Membership and Account Agreement after receipt of your account statement. If notified within such period, the Credit Union shall correct and resubmit all erroneous files, reports, and other data at the Credit Union’s then standard charges, or at no charge, if the erroneous report or other data directly resulted from the Credit Union’s error.

III.  Credit Union’s Obligations.

Financial Data. We will review and process your electronic file through batch processing at least one time per business day. The Credit Union agrees to transmit all the financial data, under its control, required to utilize the service selected by you and to act on appropriate instructions received from you in connection with such service. The Credit Union and third parties engaged in the installation, maintenance and operation of the Service, shall exercise due care in seeking both to preserve the confidentiality of the user number, password, test key, or other code or identifier and to prevent the use of the service by unauthorized persons. The Credit Union and associated third parties shall not otherwise be under any liability or have any responsibility of any kind for any loss incurred or damage suffered by you by reason or in consequence of any unauthorized person gaining access to or otherwise making use of the service. You assume full responsibility for the consequences of any misuse or unauthorized use of or access to the Service.

Service Availability. You understand that Service availability is at all times conditioned upon the corresponding operation and availability of the communication systems used in communicating your instructions and requests to the Credit Union. We will not be liable or have any responsibility of any kind for any loss or damage thereby incurred by you in the event of any failure or interruption of such communication systems or services resulting from the act or omission of any third party, or from any other cause not reasonably within the control of the Credit Union.

Exception Items. When we review and process your electronic file, we may reject any electronic image that we determine to be ineligible for the service (“Exception Item”) including, without limitation, electronic images of items drawn on banks located outside the United States, items drawn on U.S. Banks in foreign currency, electronic images that are illegible (due to poor image quality or otherwise), electronic images of items previously processed, electronic images previously converted to substitute checks, and electronic images with unreadable MICR information. We will notify you of any Exception Items. You agree that if you wish to attempt to deposit any Exception Item to any of your accounts with the Credit Union, you will only do so by depositing the original item on which the Exception Item is based. You acknowledge and agree that even if you do not initially identify an electronic image as an Exception Item, the substitute check created by the Credit Union may nevertheless be returned to the Credit Union because, among other reasons, the electronic image is deemed illegible by a paying bank. The Credit Union’s failure to identify an Exception Item shall not preclude or limit your obligations to the Credit Union.

Account Information. We will provide you with your account activity through our PHFCU Mobile App, Online Banking service, and monthly statements detailing items processed, return items, and deposit adjustments.

Retention of Check Images. Credit Union will retain any substitute checks it generates for seven (7) years for credit union use only. You agree and accept to be assessed applicable photocopy and research fees if copies are requested.

IV. Service Fees.

Currently there is no monthly fee for the Mobile Deposit Capture/SnapDeposit Service. You agree to pay all fees and charges for deposit services as set forth on our Schedule of Fees. All Service Fees are subject to change by the Credit Union upon thirty (30) days written notice to you, the Member.

V.  Disclaimer of Warranties.

You, the member, acknowledges that the service is provided on an “as is” and “as available” basis. The credit union is not responsible for any errors or omissions in or to any information resulting from your use of the service. The credit union makes no, and expressly disclaims, all warranties, express or implied, regarding the service including the warranty of title and the implied warranties of merchantability, fitness for a particular purpose and non-infringement. Without limiting the generality of the foregoing, the credit union disclaims any warranties regarding the operation, performance or functionality of the service (including, without limitation, that the service will operate without interruption or be error free). You further acknowledge that there are certain security, corruption, transmission error and access availability risks associated with using open networks such as the internet and/or telecommunication lines or circuits. You hereby assume all risks relating to the foregoing.

VI.  Credit Union’s Liabilities.

Direct Damages. The credit union’s liability shall be limited to direct damages sustained by you and only to the extent such damages are a direct result of the credit union’s gross negligence or willful misconduct; provided that the maximum aggregate liability of the credit union resulting from any such claims shall not exceed one hundred dollars. In no event shall the credit union be liable for special, incidental, punitive or consequential loss or damage of any kind including lost profits whether or not the credit union has been advised of the possibility of such loss or damage. The credit union’s licensors or suppliers will not be subject to any liability to you in connection with any matter.

Your Duty to Report Errors. You will notify the Credit Union of any errors or omissions, as promptly as practicable, and in any event within one (1) business day after the earliest of discovery of the error or omission; or the date the discovery should have occurred through the exercise of reasonable care. Your failure to notify the Credit Union of any error, omission, or other discrepancy within seven (7) days from the date of a loss shall relieve the Credit Union of any liability for such error, omission, or discrepancy.

Credit Union’s Performance. You acknowledge and agree that the Credit Union shall not be liable for any damages or loss of any kind resulting from any unintentional error or omission by Credit Union in performing the Service, in accordance with or unintentional deviation from the terms and conditions of this Agreement. You acknowledge that the Credit Union’s systems and procedures established for providing the Service are commercially reasonable.

Limitation of Liability. The Credit Union shall have no liability to you, or any other person or entity for any loss, damage, cost, or expense arising out of this Agreement or the Service regardless of the form in which asserted, whether in contract, tort (including negligence), warranty, or any other legal or equitable grounds, and regardless of whether the remedies available fail of their essential purpose, except as provided by applicable law for any error or delay in performing the Service provided for in this Agreement, and we shall have no liability for not effecting a transaction, if:

i. We receive actual notice or have reason to believe that you filed or commenced a petition or proceeding for relief under any bankruptcy or similar law;

ii. The ownership of funds involving a transaction is in question;

iii. We suspect a breach of the security procedures;

iv. We suspect that your account has been used for illegal or fraudulent purposes; or

v. We reasonably believe that a transaction is prohibited by federal law or regulation, or otherwise so provided in the

The Credit Union will not be liable if you fail to report timely any error or discrepancy reflected in an account statement prepared by Credit Union, or if you fail to report a breach of a security procedure. If the Credit Union fails to perform under this Agreement in accordance with the standards set herein, the Credit Union’s liability for damages, losses, and other compensation owing to you will be limited as set forth above.

VII. Force Majeure.

The Credit Union shall not be responsible for liability, loss, or damage of any kind resulting from any delay in the performance of or failure to perform its responsibilities hereunder due to causes beyond the Credit Union’s reasonable control.

VII. Termination Of Service

The Credit Union may immediately suspend or terminate your access to the Service in the event that the Credit Union reasonably determines such suspension or termination is necessary in order to protect the Service or the Credit Union from harm or compromise of integrity, security, reputation, or operation. Upon termination of this Service, you will promptly remit all unpaid monies due under this Agreement. This Agreement will remain in effect after Service termination until all outstanding liabilities through the utilization of this service are resolved.

IX. Modification of Services

Credit Union reserves the right to modify the Service from time to time without prior notice to you, provided, however, that Credit Union will give you at least thirty (30) days notice prior to making any modifications to the Service that would materially alter their functionality.

X. Enforcement

You agree to be liable to the Credit Union for any liability, loss, or expense as provided in this Agreement that the Credit Union incurs as a result of any dispute involving your accounts or You authorize the Credit Union to deduct any such liability, loss, or expense from your account without prior notice to you. This Agreement shall be governed by and construed under the laws of the State of Hawaii as applied to contracts entered into solely between residents of, and to be performed entirely in, the State of Hawaii. In the event either party brings a legal action to enforce the Agreement or collect any overdrawn funds on accounts accessed under this Agreement, the prevailing party shall be entitled, subject to Hawaii law, to payment by the other party of its reasonable attorney’s fees and costs, including fees on any appeal, bankruptcy proceedings, and any post-judgment collection actions, if applicable. Should any one or more provisions of this Agreement be determined illegal or unenforceable in any relevant jurisdiction, then such provision may be modified by the proper court, if possible, but only to the extent necessary to make the provision enforceable and such modification shall not affect any other provision of this Agreement.

Program Description 

Pearl Hawaii Federal Credit Union (PHFCU) will use short code 74328 for Text Banking services.

Supported Carriers 

AT&T, Sprint, Verizon, Metro PCS, and T-Mobile. T-Mobile is not liable for delayed or delivered messages.

Cost

The PHFCU Text Banking service is available to members at no cost. Purchase is not a requirement of the SMS program. Consent to receive marketing text messages is not required as a condition of purchasing any goods or services. Message and data rates may apply. We do not charge a fee for our text message programs and assume no responsibility for charges by your carrier that you may incur when you sign up to receive text messages from us. Texts may be sent using an automatic telephone dialing system.

Message Frequency 

Pearl Hawaii Alerts is a recurring and ongoing text message system with varying messages per month dependent on occurrences of account notifications, security/fraud awareness alerts, appointment reminders, missed appointment notifications, and emergency alerts for things like branch closings or system upgrades. Average messages received will be approximately 4 messages per month.

How to Opt-out 

You may opt out of a text message program at any time by texting STOP to74328. You will receive a final confirmation message to confirm that you will no longer receive text messages from the applicable text message program unless you opt back in.

Support/Help 

For support or information, send HELP to 74328 or call 808-737-4328 (73-PHFCU) or toll-free to 800-987-5583 during business hours.

Privacy Policy 

Pearl Hawaii Federal Credit Union’s respects your privacy. We will only use information you provide to transmit your text message. Nonetheless, we reserve the right at all times to disclose any information as necessary to satisfy any legal, regulatory or governmental request, to avoid liability, or to protect our rights or property. When you complete forms online or otherwise provide an organization the information in connection with the service, you agree to provide accurate, complete, and true information. You agree not to use a false or misleading name or a name that you are not authorized to use. If we, in our sole discretion, believe that any such information is untrue, inaccurate, or incomplete, we may refuse you access to the service and pursue any appropriate legal remedies.

Please be advised that data obtained from you in connection with the Service, including but not limited to your mobile phone number, your carrier’s name, the date, time, and content of your messages, and other information you provide to us in connection with the Services will be treated in accordance with our Privacy Policy. By signing up for the Service, you consent to the collection, storage, and processing of such information in accordance with our Privacy Policy.

Please view our full privacy policy at pearlhawaii.com/privacy.

General 

By signing up for Pearl Hawaii’s Alerts (the “Service”), you (i) acknowledge and represent to Pearl Hawaii Federal Credit Union and its affiliates (collectively, “Company”) that you are at least 18 years old and the owner or authorized user of the mobile phone(s) that you link to the Service; (ii) agree to receive text messages from Company, which may be sent via automated means, to the mobile phone number(s) you provide; (iii) understand that you are not required to provide consent to receive text messages via the Service as a condition of purchasing any goods or services; and (iv) expressly agree to be bound by these Terms & Conditions, including without limitation, any terms incorporated herein by reference (“Agreement”). If you do not consent to the terms of this Agreement, you must immediately cease using the Service and contact us as provided below.

Company may, at any time, revise or modify this Agreement or impose new conditions for use of the Service. Such changes, revisions, or modifications shall be effective immediately upon notice to you, which may be given by any means including, without limitation, posting on our website or by email. Any use of the Service by you after such notice shall constitute your acceptance of such changes, revisions, or modifications.

Indemnification

You agree to indemnify, defend, and hold Pearl Hawaii Federal Credit Union and its officers, directors, employees, agents, licensors, and service providers harmless from and against any claims, liabilities, losses, damages, judgments, awards, costs, and expenses (including reasonable attorneys’ fees) arising out of or resulting from your use of the Service.

Disclaimer of Warranties 

The service is provided to you on an “as is” and “as available” basis, without warranties of any kind, and Pearl Hawaii Federal Credit Union hereby disclaims all warranties, whether express, implied, statutory, or otherwise, including but not limited to any implied warranties. PHFCU does not make any representation or warranty with respect to the completeness, security, reliability, quality, accuracy, or availability of the service. Without limiting the foregoing, company will not be liable for any delays in the receipt of any text messages, as delivery is subject to the effective transmission from your carrier and/or network operator. The above exclusions may not apply in jurisdictions that do not allow the exclusion of certain implied warranties.

Limitation of Liability 

In no event will PHFCU be liable to you or any third party for any direct, indirect, special, incidental, consequential, exemplary, or punitive damages of any kind arising out of or in connection with your use, or inability to use, the service or any text message content, whether caused by tort (including negligence), breach of contract, or otherwise, even if foreseeable. Use of the services is at your sole risk. Because some states do not allow the exclusion or limitation of certain categories of damages, the above limitations may not apply to you. In such states, the liability of the company parties is limited to the fullest extent permitted by such state law.

Governing Law; Jurisdiction and Venue 

This Agreement and any dispute or claim arising out of or related to this Agreement, its subject matter, or its formation (in each case, including non-contractual disputes or claims) shall be governed by and construed in accordance with the laws of the State of Hawaii, without giving effect to any choice or conflict of law provision or rule. Any legal suit, action, or proceeding arising out of or related to this Agreement or the Service shall be instituted exclusively in the federal or state courts located in Honolulu, Hawaii. You agree to waive any and all objections to the exercise of jurisdiction over you by such courts and to venue in such courts.

Severability

If any provision of these Terms is determined to be invalid or unenforceable by a court or any governmental agency having competent jurisdiction, then the remainder of these Terms will not be affected.

Entire Agreement 

This Agreement, together with our general Terms of Use and Privacy Policy which are incorporated herein by reference, constitutes the sole and entire agreement between you and PHFCU with respect to Pearl Hawaii Alerts, and supersedes all prior and contemporaneous understandings, agreements, representations, and warranties, both written and oral, with respect to Pearl Hawaii Alerts.  Some of our text messaging services have additional terms and conditions that will apply in addition to the description above.

Contact Us 

If you have any questions about the Service or this Agreement, write to us at 94-449 Ukee Street, Waipahu, Hawaii 96797. You may also call us at 808-737-4328 (73-PHFCU) or toll-free to 800-987-5583. You can also email us at MyFamily@phfcu.com

Accessibility Statement

Updated: September 2019

General

Pearl Hawaii Federal Credit Union strives to ensure that its services are accessible to people with disabilities. Pearl Hawaii Federal Credit Union has invested a significant amount of resources to help ensure that its website is made easier to use and more accessible for people with disabilities, with the strong belief that every person has the right to live with dignity, equality, comfort and independence.

Accessibility on pearlhawaii.com

pearlhawaii.com makes available the UserWay Website Accessibility Widget that is powered by a dedicated accessibility server. The software allows pearlhawaii.com to improve its compliance with the Web Content Accessibility Guidelines (WCAG 2.1).

Enabling the Accessibility Menu

The pearlhawaii.com accessibility menu can be enabled by clicking the accessibility menu icon that appears on the corner of the page. After triggering the accessibility menu, please wait a moment for the accessibility menu to load in its entirety.

Disclaimer

Pearl Hawaii Federal Credit Union continues its efforts to constantly improve the accessibility of its site and services in the belief that it is our collective moral obligation to allow seamless, accessible and unhindered use also for those of us with disabilities.

Despite our efforts to make all pages and content on pearlhawaii.com fully accessible, some content may not have yet been fully adapted to the strictest accessibility standards. This may be a result of not having found or identified the most appropriate technological solution.

Here For You

If you are experiencing difficulty with any content on pearlhawaii.com or require assistance with any part of our site, please contact us during normal business hours as detailed below and we will be happy to assist.

Contact Us

If you wish to report an accessibility issue, have any questions or need assistance, please contact Pearl Hawaii Federal Credit Union Customer Support as follows:

Email: MyFamily@phfcu.com