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Pearl Hawaii Credit Union
Android GET - On the App Store
Pearl Hawaii Credit Union
Apple GET - On the App Store


Snap. Deposit. Done.

The fastest way to cash a check.

  • Just take a picture

    Did 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
    Deposit limits may apply. Please include "For PHFCU Mobile Deposit Online" before endorsing.  Click link for complete disclosure: SnapDeposit Service Agreement.
  • A | You can deposit checks almost anywhere, anytime with SnapDeposit located in Pearl Hawaii's app. Just sign in, snap pics of your check, and deposit.
    A | 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.
    A | Not a cent. SnapDeposit and Pearl Hawaii's app are free.
    A | 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.
    A | 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 canceling (SnapDeposit, PHFCU Mobile, or both).
    A | Simply download Pearl Hawaii's app, enter your account information, and you are signed up.
    A | Hold on to your check for a month 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. After a month, you’re responsible for the proper disposal of your check within a reasonable amount of time.
    A | Mistakes happen... Simply log into PHFCUOnline 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.
    A | 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.
    A | You will be able to use the service within one business day.
    A | When you successfully submit your check via SnapDeposit, you’ll see a deposit receipt on the 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 | A returned check is charged back to the account it was deposited to along with any applicable fees.
    A | We’ll send you an email to let you know your check was rejected and needs to be properly endorsed.
    A | 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 policies.
    A | We’re happy to help. Call us at 808-73-PHFCU (737-4328).

Get the app

To use SnapDeposit, all you need is our Mobile Banking App. It's completely free and easy to use. Snap Deposit Instructions Online banking also has a ton of extra features, including mobile check deposits, payment reminders, and transfers. We've even got a personal finance manager tool that helps you stick to your budget! Login Instructions