Snap. Deposit. Done.
The fastest way to cash a check.
- Deposit anywhere, anytime
- Save time and money
- Skip the branch
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 | 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 | 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 | 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.