Snap. Deposit. Done.
The fastest way to cash a check.
Just take a pictureDid you know you can deposit a check just by taking a picture? With our mobile app, depositing your checks just got easier. Save yourself time and gas- just upload a picture of your check.
- Deposit anywhere, anytime
- Save time and money
- Skip the branch and ATM
- Receive real-time confirmation
Checks deposited before 2 p.m. are processed that day. Checks deposited after 2 p.m. or on non-business days are processed the next business day.Not a cent. SnapDeposit and PHFCU’s Mobile App are free.Yes, please. Checks you deposit need to be properly endorsed by the individual the check is written to (or by all individuals if the check is written to more than one person). Please also include "For PHFCU mobile deposit only” in this area.We are sad to hear that you’re canceling your SnapDeposit and PHFCU’s Mobile service. Please submit a written cancellation request to Pearl Hawaii Federal Credit Union, 94-449 Ukee Street, Waipahu, Hawaii 96797. Be sure to tell us which service you are cancelling (SnapDeposit, PHFCU Mobile or both).Simply download the free app, enter your account information, and voila! - You are signed up.Hold on to your check for a month or so after you’ve made your deposit. On the off chance that something goes awry, we’ll notify you and ask you to send your original check to us within five business days. Checks not received within five business days of notification will be charged back to your account along with any applicable fees. In the end, you’re responsible for the proper disposal of your check within a reasonable amount of time.We all make mistakes. Simply log in to Online Banking and transfer the money to the correct account once the funds are made available. You can also call us at 808-737-4328 (73-PHFCU) and we will assist you with the transfer.Be sure your check is lying on a flat surface in a well-lit area before you scan the image. If you’re still getting an error message, such as “Image Failed,” you will need to mail in your check or bring it to any Pearl Hawaii Federal Credit Union location to be deposited.You will be able to use the service within one business day.When you successfully submit your check via SnapDeposit, you’ll see a deposit receipt on screen; you can keep this for your records. We’ll also send you an email to let you know once your deposit is received and accepted.A returned check is charged back to the account it was deposited to along with any applicable fees.We’ll send you an email to let you know your check was rejected and needs to be properly endorsed.If we receive your deposit before 2 p.m. on a business day, we’ll credit your account at the end of the day. Deposits received after 2 p.m. (or on weekends and federal holidays) are credited to your account by the end of the next business day. Availability of funds is pursuant to Regulation CC and Pearl Hawaii Federal Credit Union’s applicable funds availability schedule and policies.We’re happy to help. Call us at 808-73-PHFCU (737-4328)