Get answers with our Frequently Asked Questions (FAQ).
If you still can’t find an answer, please contact us…
UPGRADE
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A | For a complete list of our fees, please visit our Schedule of Fees.A | Please contact us at 808-737-4328 to schedule a notary appointment.A | To change your name on an account, you will need to provide us with government-issued documentation showing your new name. Acceptable Government issued IDs include a valid Driver’s License, State ID, or Passport. We will generate a new membership application and all parties on the account must sign this form.A | Call us at 808.737.4328 (73-PHFCU) or chat during business hours.
A | Opening an account is easy-peasy! All you need is a little bit of information, an ID, $5.00*, and a dream (and happen to meet one of the criteria below).
CRITERIA
-Live, work, worship, or attend school on O’ahu. -Be a family member of someone who lives, works, worships, or attends school on O’ahu (i.e., spouse, child, parent, grandparent, grandchild, sibling, or even related through a step, adoptive, or foster relationship). -Be a household member of someone who lives, works, worships, or attends school on O’ahu (For example, if your son attends school on Oahu but you live on another island or in another state- you still can join!). INFORMATION NEEDED - ID (Government issued, Driver's License, State ID, Passport) - your mailing and physical address - social security number - date of birth Open an account at any location or online. *Membership is a $5 minimum deposit into a Savings Account (waived with e-statements).A | All you need is an ID, $5.00*, and a dream (and happen to meet one of the criteria below).
CRITERIA
-Live, work, worship, or attend school on O’ahu. -Be a family member of someone who lives, works, worships, or attends school on O’ahu (i.e., spouse, child, parent, grandparent, grandchild, sibling, or even related through a step, adoptive, or foster relationship). -Be a household member of someone who lives, works, worships, or attends school on O’ahu (For example, if your son attends school on Oahu but you live on another island or in another state- you still can join!). INFORMATION NEEDED - ID (Government issued, Driver's License, State ID, Passport) - your mailing and physical address - social security number - date of birth Open an account at any location or online. *Membership is a $5 minimum deposit into a Savings Account (waived with e-statements).A | All you need is an ID, $5.00*, and a dream (and happen to meet one of the criteria below).
CRITERIA
-Live, work, worship, or attend school on O’ahu. -Be a family member of someone who lives, works, worships, or attends school on O’ahu (i.e., spouse, child, parent, grandparent, grandchild, sibling, or even related through a step, adoptive, or foster relationship). -Be a household member of someone who lives, works, worships, or attends school on O’ahu (For example, if your son attends school on Oahu but you live on another island or in another state- you still can join!). INFORMATION NEEDED - ID (Government issued, Driver's License, State ID, Passport) - your mailing and physical address - social security number - date of birth Open an account at any location or online. *Membership is a $5 minimum deposit into a Savings Account (waived with e-statements).A | Pearl Hawaii offers great rates! For a list of all our rates, please visit our rates site.A | Visit us in Waipio, Waianae, Ewa, Honolulu, Pearl Harbor, or the Airport. You can also open an account online.A | Visit us in Waipio, Waianae, Ewa, Honolulu, Pearl Harbor, or the Airport. You can also add another account online.A | Visit us in Waipio, Waianae, Ewa, Honolulu, Pearl Harbor, or the Airport. You can also open an account online.A | To obtain your membership or account number, please visit one of our branches, provide us a written request by mail, email us, or sign in to PHFCUOnline and send us a secured message. ADDRESS | Pearl Hawaii Federal Credit Union, 94-449 Ukee St, Waipahu, HI 96797 EMAIL | MyFamily@phfcu.comA | You can update your address, phone number, or email address through online secured messages (by signing into PHFCUOnline, by mailing or emailing a signed letter, or by visiting one of our branches. For more information, visit our Change of Address page.A | Our routing number is 321380328.A | Not at all... when you join Pearl Hawaii Federal Credit Union, your membership is good for life, no matter where you live or work, as long as you maintain your accounts in good standing. With Internet Banking, Online Bill Pay, Visa Check Card, Direct Deposit, Member Telephone Service and Shared Branching, it is easy to access your account even if you move far away!A | In some ways, yes. A Credit Union offers a wide variety of financial services comparable to a commercial bank. Also, both are federally insured and regulated. However, unlike other financial institutions, a Credit Union is owned and operated by its members who save and borrow there. There are no outside stockholders. Our board of directors is made up of unpaid volunteers who are elected from and by our membership. As a not-for-profit financial cooperative, earnings are returned to members in the form of dividends, lower loan rates, higher interest rates on deposits, fewer fees, and free services.A | Yes... your money is safe! Credit Unions are strictly regulated financial institutions. Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government by the National Credit Union Administration, a U.S. Government Agency.A | A Credit Union is a member-owned financial cooperative. As a not-for-profit cooperative institution, a Credit Union uses excess earnings to offer members affordable loans, a higher return on savings, lower fees, or new products and services. A Credit Union is operated entirely by and for its members. Once you deposit money, you become a member since your deposit represents your ownership share.A | Yes, children (natural, adopted, step) are eligible for membership.A | Yes! Membership is open to all family members, including your spouse, children, parents, siblings, grandchildren, and grandparents. Your family members can join us even if they live out of our geographic area.A | To join the credit union, you must complete a membership application and make a deposit of at least $5 (which must remain in your account as long as you are a member). This deposit represents your "share" of ownership in the credit union and provides access to all of our products and services. You can open your account online to get started.A | Pearl Hawaii Federal Credit Union membership is available to individuals who live, work, attend school, and worship on the island of O’ahu. Immediate family members (e.g., grandparents, parents, siblings, spouse, children, grandchildren), household members, and spouses of individuals who died while within the field of membership also qualify. Additionally, any step or adoptive relationships also qualify.
LOANS
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A | The payment address is P.O. Box 60510, City of Industry, CA 91716-0510. You can also pay through PHFCUOnline or visit any location.Our loans come with many options. With a variety of terms and payment plans, we have a loan to meet your lifestyle or financial situation. You must be employed for at least six months in order to apply for a loan. Borrowers that do not have a credit score must be employed for at least one year. You can apply at any location or online.A | Pearl Hawaii offers great rates! For a list of all our rates, please visit our rates site.A | You can contact us by... PHONE | 808.737.4328 EMAIL | loansdepartment@phfcu.comA | Your loan agreement requires you to maintain coverage on your vehicle for the term of your loan. We require you to provide us evidence that you have obtained acceptable insurance coverage as outlined in the loan agreement.
What Is Acceptable Insurance?
For Auto Insurance, the policy must:- be effective on or before the effective date of the loan.
- include comprehensive, collision, and a deductible for comprehensive and collision not exceeding $500.
- have correct information about the vehicle, which includes the year, make, model, and complete VIN.
- have the borrower's/insured individual name, insurance company name, policy number, and coverage effective/renewal date.
- include Pearl Hawaii listed as loss payee/lien holder as follows: Pearl Hawaii Federal Credit Union, ATTN: Loan Department, 94-449 Ukee Street, Waipahu, Hawaii 96797
- Fire coverage
- Flood coverage if the property is located in a flood zone
- Hurricane coverage if the total outstanding mortgage balance is more than the total land value as stated on your property tax.
- Correct collateral description
- Borrower/insured name
- Insurance company name
- Policy number
- Coverage effective/renewal date
- Pearl Hawaii listed as loss payee/lien holder as follows: Pearl Hawaii Federal Credit Union, ATTN: Loan Department, 94-449 Ukee Street, Waipahu, Hawaii 96797
A | Ways you can make your loan payment...
- ONLINE | Log into PHFCUOnline and make a transfer into your loan or send us a payment via bill payment
- PHONE | Call us at 808.737.4328 and make a transfer or pay by Debit or Credit Card (Visa, MasterCard, & Discover is accepted for a processing fee. You may not Pearl Hawaii loan with a Pearl Hawaii Credit Card).
- MAIL | Send payments to Pearl Hawaii Federal Credit Union, 94-449 Ukee Street, Waipahu, Hawaii 96797.
- VISIT US | Visit any location
A | You can choose to set up monthly payments (due on the 1st, 10th, 28th or last day of each month) or bi-weekly (every other Friday) from your PHFCU account.A | If you have a Pearl Hawaii loan, you can opt for Automatic Payments as an option. Automatic Payments will electronically transfer funds from your Pearl Hawaii Federal Credit Union account to your loan. Essentially, you can choose to do a payroll deduction, automatic transfer from another account at Pearl Hawaii, through PHFCUOnline, or submit an electronic payments from another institution via ACH.A | You can apply for a loan at any time.A: You may file a dispute with the Credit Bureaus or contact us to review your account.
NEED TO CONTACT US?
Call us at 808.737.4328 or email collections@phfcu.com.CREDIT BUREAUS
TransUnion 1-800-916-8800
Equifax 1-888-548-7878
Experian 1-800-493-1058
A | You will need to contact your Insurance Company and they will contact us for additional information. Please keep in mind that you are still responsible for the loan payments until the loan is paid by your insurance carrier.1| You may Upload the Insurance Binder/Declaration page to MyLoanInsurance.com/phfcu 2| You may Email the Insurance Binder/Declaration page to phfcu@myloaninsurance.com 3| You may Fax the Insurance Binder/Declaration page to 1-877-787-0665 4| You may Mail the Insurance Binder/Declaration page to Pearl Hawaii Federal Credit Union, Insurance Tracking Center, PO Box 581, Honolulu, HI 96809 5| You may contact the Collections Department at 808-218-6270 (call or text) or email collections@phfcu.comA | You can contact the Collections Department Monday - Friday from 9:00 am - 5:00 pmNEED TO CONTACT US?
Call at 808.737.4328 or email collections@phfcu.com.1 | You may drop off the completed Shipment of Vehicle Packet at any of our Branch Locations (Waipio, Waianae, Ewa Beach, Airport, Pearl Harbor, or Honolulu) 2| You may email us at collections@phfcu.com 3 | You may fax it to 808-218-6299A | Only in the Continental United States1 | A completed Shipment of Vehicle Packet that is signed by all borrowers. 2 | A copy of the current Insurance Binder/Declaration page which shows PHFCU as the Lienholder and the Comprehensive and Collision deductibles are not greater than $500.00. 3 | Verification of Employment or Military Orders (Employment verification must be on the new employer’s letterhead and list all of the following: Date of Hire, Position, Salary, Employment Status (Full Time, Part Time, On Call, Temporary- if part-time), the guaranteed minimum number of hours, and name and phone number of HR Individual). 4 | A signed and completed Change of Address Form 5 | If you have a Power of Attorney please provide the documents along with an Affidavit (which the PHFCU can provide, it will need to be notarized) 6 | Shipment requests must be made no less than 2 business days (Monday-Friday) prior to the shipping date to allow for processing, document preparation, and approval. Timing for 2 business days begin once all required documentation is received.A | Monday-Friday 9:00 am – 5:00 pm -
A | Visit us in Waipio, Waianae, Ewa, Honolulu, Pearl Harbor, or the Airport. You can also apply online or by phone by calling 808.737.4328 (73-PHFCU).A | Contact us at 808-73-PHFCU (737-4328).A | The parts listed below are covered should they become worn during the vehicle service agreement term. Brake Pad – One replacement of a set of front and/or rear brake pads. Brake rotors will be replaced in conjunction with the replacement of brake pads if the thickness of the brake rotor is less than the manufacturer’s minimum specification. Battery – One replacement of a battery or the difference between the manufacturer’s prorated reimbursement and the total cost of the battery (does not include any Lithium-ion or hybrid batteries). Headlamp Bulbs – Unlimited replacement of the headlamp bulbs. Impact damage is not covered. Belts and Hoses – Replacement of engine belts and hoses including vacuum pump belt, serpentine belt, power steering belt, alternator belt, supercharger belt, AIR pump belt, air conditioner belt, water pump belt, heater hose, bypass hose, throttle body hose, upper and lower radiator hoses, air conditioning hose, power steering pressure and return hose, air hose, washer hoses, vacuum hoses, and fuel hoses. Windshield Wiper Blade – One replacement of a set of front and/or rear windshield wiper blades and/or inserts. Electrical – Unlimited coverage of fuses, interior and exterior light bulbs including but not limited to: turn signal bulbs, engine compartment lights, running lights, fog lights, stop lights, backup lights, license plate lights, parking lights, trunk lights, dome light, courtesy light, visor light, map light, and glove box light. Impact damage is not covered. Wheel Alignment – One wheel alignment.A | You depend on your car. But big unexpected repairs can happen after your factory warranty expires. Mechanical Repair Coverage (MRC) can help you limit the cost of covered breakdowns. You pay only the applicable deductible if any. MRC can help lighten the financial burden for you and the people you care about. Get MRC today so you can worry a little less about tomorrow. Benefits for covered repairs PAYS FOR PARTS AND LABOR OF COVERED REPAIRS A VARIETY OF TERMS AVAILABLE FOR NEW OR USED VEHICLES LOW DEDUCTIBLE PLAN PAYS THE REPAIR FACILITY. RENTAL REIMBURSEMENT Up to $35/day for 5 days (up to an additional 5 days with verified parts delay) from day one. 24-HOUR EMERGENCY ROADSIDE ASSISTANCE Includes towing, battery jump-start, fluid delivery, flat tire assistance, and lock-out service. (up to $100 per occurrence). TRAVEL EXPENSE REIMBURSEMENT Up to $200 per day for 1 - 5 days for food, lodging, and rental expense when a covered breakdown occurs more than 100 miles from home.** TRANSFERABLE If the vehicle is sold privately, the coverage can be transferred for a fee, which may add resale value and appeal.A | No. Car insurance generally offers collision and liability protection. Mechanical repair coverage can help you limit the cost of any covered breakdowns. When you have both, you're better prepared for the unexpected. For details, visit Mechanical Repair Coverage and Auto Insurance.Vehicles not covered include Vehicles used commercially, Salvage or rebuilt titled vehicles, Trucks rated more than 1 ton, Motor homes, Motorcycles, and Non-U.S. Specification Vehicles. Note: “Modified” vehicles are eligible for coverage but claims will be denied if resulting from the modifications made.A| Present your vehicle service agreement to the licensed repair facility of your choice before they begin repairs. This includes dealer service centers, franchise repair centers and most independent repair shops. Once your mechanic receives authorization that your repair is covered they will proceed with service. When your service is complete, simply pay your deductible and drive on.
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A | Dependent on your personal situation, below is a list of documents we may ask you for. We may need copies of the following:
- Past 2 years most current signed Federal Tax Returns
- Past 2 years most current signed Business Tax Returns (if you own a business and file business tax returns)
- Past 2 years most current W2’s and/or 1099r’s
- Past 2 most recent paystubs
- Retirement/Annuity/Social Security Benefit Letters (if retired)
- Mortgage Statements for the property being secured and any rental properties
- Homeowners, Hurricane, Flood, and/or Master Condo insurance for the property being secured and any rental properties
- Property Tax Assessment for Rental Properties not located on the island of Oahu
- Maintenance Fees for the property being secured and any rental properties
- Association Dues for the property being secured and any rental properties
- Rental Agreement and GE License if rental income is new or has never previously been reported on tax returns
- Long-Form Trust Agreement and any Amendments made to the Trust
A | There are no pre-payment penalties or annual fees. Fees that may be incurred: application fee, title insurance fee, document preparation fee, SRA\appraisal fee, tax verification fee, trust review fee, recording fees, or flood verification fee. Closing cost fees incurred will be dependent on the amount borrowed and will vary based on the member’s situation. The average Closing Cost is from $800.00 to $1500.00 and may vary dependent on your personal financial situation. You must maintain broad form hazard insurance on the property, listing PHFCU as a loss payee.
A | Yes. At Pearl Hawaii, there are no prepayment penalties for paying off your home loan faster than your payment schedule. Overall, it is a great way to save on interest over the long run.A | You can apply online at any time at our Pearl Hawaii Home Loan Application site. Once you complete your application, Pearl Hawaii's mortgage staff will contact you to let you know which items we will need to finalize your application. -
A | The payment address is P.O. Box 60510, City of Industry, CA 91716-0510. You can also pay through PHFCUOnline or visit any location.A | For a complete list of our fees, please visit our Schedule of Fees.A| We apologize for the inconvenience. Please call 808.737.4328 (73-PHFCU) or 1-866-605-6177 for assistance.A| We apologize for the inconvenience. Please call 808.737.4328 (73-PHFCU) or 1-866-605-6177 for assistance.A | To report your debit or credit card lost or stolen, please call 808.737.4328 (73-PHFCU), option 2.A | To turn your card On or Off, please download our Pearl Wallet app. Our free app lets you manage your card from anywhere. In addition to turning your card on and off, you can set spending limits and even make custom alerts based on things like geographic location.A | To get pending debit card information, log in with PHFCUOnline on a desktop or our mobile app and review your checking transaction history. Your pending transactions will be listed as the most current transactions in your transaction history and will be identified as Pending. For both Debit and Credit Cards, you can view up-to-date transactions with Pearl Wallet.A | To change the PIN, please call us at 808.737.4328, Option 2.A | To activate your card or select your PIN, please call 808.737.4328 (73-PHFCU) and select Option 2.A | Please immediately call 808-73-PHFCU (808-737-4328) and select Option 2. We will assist you with this immediately.
BANK
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A | Pearl Hawaii offers great rates! For a list of all our rates, please visit our rates site.A | In most cases, you can contact your employer's Payroll/Human Resources Department to sign up for either of these services. You will need your Pearl Hawaii Federal Credit Union account number and routing # 321380328.A | If you work for a company that offers Payroll Deduction, you can have part of your check deposited automatically into your accounts. Some employers allow Direct Deposit, which deposits your entire paycheck directly into your Pearl Hawaii Federal Credit Union account on payday. In addition, Social Security, pension or any other recurring federal payments can be deposited directly into your account.A | You can make deposits in person, by mail, through an electronic ACH transaction, transfers through PHFCUOnline, or automatically through direct deposit/payroll deduction.A | Yes, you can have more than one savings or checking account. Do open an additional account, visit any location or open one online.A | You can both open your account online. After completing the primary member's information, please click the box to include the joint owner at the bottom of the screen. If you are opening your account in person and if you are opening your account(s) with a joint owner/co-applicant, they must be present during the enrollment process in order to validate their identity. If they are not available, open your account as an individual and request the appropriate application(s) to have a co-applicant added at a later date.A | Yes. The minimum balance is $5.00.A | Dividends are calculated on the daily balance and paid quarterly.A | Dividends are compounded and credited to your account monthly.
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A | Save time by ordering online. You can order custom checks, checkbook covers, address labels and other accessories. It's fast, easy and secure. Just enter the account and routing number and select account type (personal or business) you want to order.A | An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. When you pay with a check or debit card and you don’t have enough funds in your checking account to cover the amount of the transaction, you may be assessed a fee from not only Pearl Hawaii Federal Credit Union, but you may be assessed additional fees from the payee’s financial institution and the merchant. If you have Overdraft Privilege in place, you pay a fee only to Pearl Hawaii and avoid paying additional fees to your merchant and the merchant’s financial institution... and best of all, no bounced check or declined transaction!A | We will charge you a fee (as stated in your Schedule of Fees) each time we pay an overdraft. Although we do not charge a daily fee for an overdrawn account, we will remove this service if you are overdrawn for 30 days or more. In order to maintain this service, you will need to bring your account balance to a positive balance within thirty days for a minimum of 24 hours, not be in default on any loan or other obligation to Pearl Hawaii, and not have any legal or administrative order or levy on your account. Please remember... Pearl Hawaii will pay overdrafts within the overdraft privilege limits, but payments on an overdrawn account are a courtesy. Generally, overdrafts will be limited to a maximum of a $500.00 overall negative balance. This amount also includes any overdraft fees. For more information, please read the Discretionary Overdraft Privilege Policy.A | An overdraft fee is charged when the account goes into the negative. Overdraft Privilege (ODP) will pay items in the event your checking account does not have sufficient funds. Overdraft Privilege is not an Overdraft Line Of Credit, which is a loan. With ODP, we will have the discretion to pay the overdraft if your account does not have money. Without ODP, Pearl Hawaii is not obligated to pay your checks, withdrawals, or debit card transactions. With Overdraft Privilege in place, you pay a fee only to Pearl Hawaii and avoid paying additional fees to your merchant and the merchant’s financial institution.A | In most cases, you can contact your employer's Payroll/Human Resources Department to sign up for either of these services. You will need your Pearl Hawaii Federal Credit Union account number and routing # 321380328.A | If you work for a company that offers Payroll Deduction, you can have part of your check deposited automatically into your accounts. Some employers allow Direct Deposit, which deposits your entire paycheck directly into your Pearl Hawaii Federal Credit Union account on payday. In addition, Social Security, pension or any other recurring federal payments can be deposited directly into your account.A | You can make deposits in person, by mail, through an electronic ACH transaction, transfers through PHFCUOnline, or automatically through direct deposit/payroll deduction.A | Yes, you can have more than one savings or checking account. Do open an additional account, visit any location or open one online.A | You can both open your account online. After completing the primary member's information, please click the box to include the joint owner at the bottom of the screen. If you are opening your account in person and if you are opening your account(s) with a joint owner/co-applicant, they must be present during the enrollment process in order to validate their identity. If they are not available, open your account as an individual and request the appropriate application(s) to have a co-applicant added at a later date.
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Pearl Hawaii offers over 100 surcharge-free ATMs in Hawaii. For a list of these ATMs, please visit our ATM Locator page.A| Your debit card spending limit is $2,500.00 per day.A| You can make up to 20 withdrawals per day with your ATM or Debit card. ATM withdrawals are limited to $620 per day.A | For members with Pearl Hawaii's Debit Card, you can use any First Hawaiian Bank ATM. For a complete list, visit ATM Locations.A | The payment address is P.O. Box 60510, City of Industry, CA 91716-0510. You can also pay through PHFCUOnline or visit any location.A | For a complete list of our fees, please visit our Schedule of Fees.A| We apologize for the inconvenience. Please call 808.737.4328 (73-PHFCU) or 1-866-605-6177 for assistance.A| We apologize for the inconvenience. Please call 808.737.4328 (73-PHFCU) or 1-866-605-6177 for assistance.A | To report your debit or credit card lost or stolen, please call 808.737.4328 (73-PHFCU), option 2.A | To turn your card On or Off, please download our Pearl Wallet app. Our free app lets you manage your card from anywhere. In addition to turning your card on and off, you can set spending limits and even make custom alerts based on things like geographic location.A | To get pending debit card information, log in with PHFCUOnline on a desktop or our mobile app and review your checking transaction history. Your pending transactions will be listed as the most current transactions in your transaction history and will be identified as Pending. For both Debit and Credit Cards, you can view up-to-date transactions with Pearl Wallet.A | To change the PIN, please call us at 808.737.4328, Option 2.A | To activate your card or select your PIN, please call 808.737.4328 (73-PHFCU) and select Option 2.A | Please immediately call 808-73-PHFCU (808-737-4328) and select Option 2. We will assist you with this immediately.
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A | Parents or legal guardians can set up an automatic allowance, conduct one-time transfers, reward their teen's goals with cash, remove money, view transactions, and receive text alerts and notifications with PHFCUOnline or our mobile app.A | Teens can check their balance, set up savings goals, set aside money for spending or saving, deposit checks, set up a direct deposit, and get account text alerts and notifications with PHFCUOnline or our mobile app.A | As a joint account holder, you’ll be able to access your teen’s debit & checking account at any time. Set up text alerts and email notifications for card transactions and account activity with PHFCUOnline, our mobile app, and Pearl Wallet.A | You have complete control. You can control how, when, and where the card can be used. You will be able to turn the card on and off. Additionally, you can set up controls for what location the card can be used, what times it can be used, and what merchants your teen can use their card. Also, you can control spending limits and restrict spending to merchants in your geographic area. Register with PHFCUOnline, download our mobile app, and download Pearl Wallet.A | Pearl Hawaii's mobile features let you see transactions within PHFCUOnline. Once you’re registered, download our app through your device's app store.A | Once your teen's account is open, they will receive a Pearl Hawaii Debit MasterCard in their name that they can use to make purchases or withdraw cash where MasterCard® is accepted. They can visit one of our participating branches to have an Instant Issue Debit Card printed while they wait after they choose a design that they would prefer. If you don't have time to come in, we can also send you the standard Pearl Hawaii Debit MasterCard through the mail.A | Any teen who is 13 - 18 can open their account with their parent or legal guardian. Once they turn 18, your teen can choose to open their own checking account and transfer their balance.A | Pearl Hawaii's Teen Checking and Debit account helps your teen learn how money works. They can set up and work toward a specific savings goal and you can monitor their progress every step of the way. Essentially, your teen will be able to open an account, conduct transactions, and practice their budgeting skills.
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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).
INVEST
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A | If your advisor is creating your account, then you will receive an email invitation to register. Once you click on the link to start the activation process, you will be asked to enter the last four digits of your SSN and the email address that we have on file. The first time that you log in we will send you a one-time passcode to your mobile phone number to verify your identity. If you have difficulty creating your profile, you can contact your financial professional for help. Contact Chris Kaminaka, Financial Advisor at Phone 808.218.6268 or Email chris.kaminaka@LPL.com. For instructions to sign in online, visit Pearl Hawaii Wealth Advisors.A | Please make checks payable to LPL Financial. Send payments to Pearl Hawaii Federal Credit Union, 94-449 Ukee Street, Waipahu, Hawaii 96797, ATTN: Chris KamakaA | Absolutely! Enabling online trading simply adds to the services provided through your Pearl Hawaii Wealth Advisor's account.A | Online trades may be executed during the market hours of 8:30 a.m. - 3 p.m., CT. Online trades which are placed outside of market hours will be processed on the next market day.A | Your Brokerage account can be set up to automatically sweep proceeds from sales of securities into your credit union account, and draw from your credit union account to pay for purchases of securities. To set this up, simply contact Chris Kaminaka, Financial Advisor by Email or call (808) 218-6268.
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A | Yes, you can. Moving funds from another qualifying plan to a PHFCU IRA is simple and may be processed as a transfer or rollover. Consult a tax adviser to help decide which is best for you.A | Here are some of the key features: -Dividends are paid monthly and calculated daily -The minimum opening deposit is $1,000 -Terms available: 1, 2, or 3 years -Dividends earned are tax-deferred -Contributions may be tax deductible You have seven calendar days following maturity to withdraw funds or change certificate term. Otherwise, it automatically renews for the same term at the current rate.A | Contributions to a Coverdell ESA are not deductible, but amounts deposited in the account grow tax free until distributed. -The beneficiary will not owe tax on the distributions if they are less than a beneficiary’s qualified education expenses at an eligible institution. -This benefit applies to qualified higher education expenses as well as to qualified elementary and secondary education expenses. -May be used for qualified education expenses, such as tuition and fees, required books, supplies and equipment and qualified expenses for room and board. -The Hope and lifetime learning credits can be claimed in the same year the beneficiary takes a tax-free distribution from a Coverdell ESA, as long as the same expenses are not used for both benefits.A | Currently, you can contribute $6,500 if you are under 50, or $7,500 if you are 50 years or older. Coverdell is $2000 per year.Q | Yes. For IRAs, most withdrawals before age 59.5 will result in IRS penalties.A| A Traditional IRA lets you defer your taxes until you withdraw in retirement. Basically, this means you can shrink the total taxes you pay now. You must start withdrawing by age 73, at which time you'll need to pay taxes on your withdrawals. With a Roth IRA, you need to pay taxes up front. However, you won't have to pay taxes on your withdrawals in retirement, and there is no requirement for when you must start making withdrawals.
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A | Pearl Hawaii offers great rates! For a list of all our rates, please visit our rates site.A | Visit us in Waipio, Waianae, Ewa, Honolulu, Pearl Harbor, or the Airport. You can also open an account online with our Certificate Transfer Form. If you are a new member, please open an account with our online application.A | You can make deposits in person, by mail, through an electronic ACH transaction, transfers through PHFCUOnline, or automatically through direct deposit/payroll deduction.A | You can both open your account online. After completing the primary member's information, please click the box to include the joint owner at the bottom of the screen. If you are opening your account in person and if you are opening your account(s) with a joint owner/co-applicant, they must be present during the enrollment process in order to validate their identity. If they are not available, open your account as an individual and request the appropriate application(s) to have a co-applicant added at a later date.A | Typically, your interest will be paid when your term is up (once your certificate has "matured"). You can also request that your interest be paid monthly. We'll send your earned interest to the account you specify... Yep... you can choose!A | Yes. The penalty we may impose will be the greater of seven days of dividends on the amount withdrawn or all dividends that have been earned not to exceed 90 days.A | Yes. You may borrow up to 90% of the pledged Certificate.A | You can pick how long you want to set your money aside. Any date between 30 days and 3 years is an option. Once your term is up, you'll also have an option to renew your certificate.
SERVICES
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A | You can find the routing number on a check or deposit slip for your account. Look for the first nine digits in the lower left corner of your check or deposit slip. Some financial institutions publish their routing numbers on their website. If you cannot find the routing number, call your financial institution and ask for the number. The routing number you provide must be valid.A | Here's the info you should provide the sender:Wire to: Catalyst Corporate Federal Credit Union, 6801 Parkwood Blvd., Plano, Texas 75024Routing Number: 311990511Further Credit To: Pearl Hawaii Federal Credit UnionAccount Number: 321380328Final Credit to: Your Full NameAccount Number: Your Account NumberA | You will need the following information... Member’s Full Name, Including Full Middle Account Number Member’s Home Address (No P.O. Box Addresses) Member’s Telephone Number Amount to Wire Name of the Financial Institution Routing Number (Verify With Other Financial Institution) Address of Other Financial Institution Beneficiary Information (Full Name Including Middle, Account Number, and Home Address) Proof of Identification and Signature International Transfers: SWIFT code (Bank Identification Code for Receiving Institution)A| Domestic Wire Transfers - If you submit your transfer by 10:30 AM HST, it will arrive on the same day you sent it. Transfers submitted after this time will arrive the following business day. International Wire Transfers - You will need to submit your forms by 9:30 AM HST for same-day delivery. Wire transfer requests received on Saturdays will be sent out the next business day. Wire transfer requests can be accepted anytime, during branch hours. If it's received after the deadlines stated above, it will be sent out the following business day.
ACCESS
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A | Visit Pearl Hawaii's forgot your password page and enter the last 4 of your social security number, date of birth, and member number.A | To register, visit our new user page. You will need the following information: Member/Account number, Social Security Number, Date of Birth, and Zip Code. To download our mobile app, visit your devices store or from our Mobile Banking page.A | To send a secure message, you need to log in to PHFCUOnline and select Secure Message from the menu. Click on the pencil icon to create your secure message.A | You can transfer up to $500 per day.A | You can view all of your Pearl Hawaii accounts with online banking.A | To register, visit our new user page. You will need the following information: Member/Account number, Social Security Number, Date of Birth, and Zip Code.A | Your Username is either your member account number or a unique name that you picked.A | Once logged in, click on “Transfer $” and then enter: What account are you transferring from, what account you are transferring to, the amount, the date you would like to send money, and the frequency.A | Once logged in, you can transfer to a member, someone not with Pearl Hawaii, amongst your own accounts at Pearl Hawaii, or to another account that is with another financial institution.A | Once logged in, click on My External Accounts. You will need to validate your external account in order to do this. To validate your account, two deposits will be made into your external account. The length of the process is dependent on when you verify what deposits are made, but it typically takes 1-3-business days for the initial deposit to be made.A | Customer Service asks you to provide security info to verify who you are. Without this level of verification, somebody else might be able to gain access to your account by pretending to be you.A | Login, click on "Make a Payment," and enter the on-screen information. You can either send it to someone via email or text.A | It’s free! There are no fees for transaction limits, account opening, monthly usage, or sending or spending money.A | You can set up E-Statements through online banking, over the phone, or by visiting the branch. With online banking, click the tab for E-Statements, click on Select "Delivery Preferences," and click on "Accept."A | PearlPay allows you to send and receive money via an email address or mobile number.A | PHFCUOnline is supported by most modern browsers and mobile devices. In order to ensure the best possible experience, please be sure you are using the most up-to-date versions of your browser or mobile operating system. Internet Explorer will no longer be supported on certain versions of Windows. Members are encouraged to move to Microsoft Edge, which provides support and more security for websites and apps.A | Please visit Login Instructions.A | Our bill payment system will screen each payment added by you to verify that the payee is able to accept electronic payments. If the payee is able to receive electronic payments, your payment to them will be received within 2 to 3 business days. If the payee is not able to receive electronic payments, our system will generate a check to be sent via mail (sent from the East Coast). Mailed payments are normally received within 5 to 7 business days.A | Yes, our bill payment service is free. In order to use this service, you must have a checking account.A | Yes, you can. After you sign into PHFCUOnline, you will need to provide the member's name and complete account number. If the account is overdrawn, the transfer will not go through.A | You may be using the wrong username or password. If you are certain you have the correct username and password, sometimes clearing your temporary internet files, cookies, or cache will fix the issue. Please call us at 808-737-4328 (73-PHFCU) if the problem persists.A | Passwords include a combination of lower and uppercase letters, numbers, and special characters. In some cases, members forget a portion of their passwords. If you need to have your password reset, visit password reset or call us at 808-737-4328 (73-PHFCU).
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A | Bill pay has many benefits... Convenient - Bill pay services can organize and pay all of your bills in one place, making things easier on you. Instead of having to go through different sites and apps to pay and monitor your bills, you can simply log onto your bill pay provider and do it all from one site if you so choose. Keeps you Organized - When you pay your bills online, a record is automatically generated. This can be helpful should you forget if you paid a certain bill or need proof that a payment was sent to a specific company. Avoid Fees - One easy way to avoid late payment fees is to set up automatic bill payments via your bill pay service. When bill payments are automated, you can never simply forget to pay a bill. Cheaper & Safer Than Mail - With Bill Pay, you don't have to pay for stamps, checks, or envelopes. We will cover these costs for you. Also, it is guaranteed, reflecting that your bill was paid while showing a record that the payment was sent. Environmentally Friendly - When using automatic bill pay, you can completely avoid writing physical checks and going the old-school envelopes and stamps route.A | Once logged in, click on “Bill Pay” and scroll down to the vendor that you would like to send an automatic payment (you will have to add the company or person if you have not done so already). Under the company or person, click on “Set up AutoPay.”A | Bill pay is a service that allows members to pay their bills via an app or a website. Instead of writing a check and sending it in the mail, you can simply use your computer or device and make the payment online. These services can be convenient for people who want to make bill paying as efficient as possible, with features such as automated payments, reminders about payment due dates, and more. Bill pay is a convenient service. This service allows you to organize all of your recurring bills in one place and pay them automatically. You can also use bill pay to make manual or one-time bill payments as necessary. With Bill Pay you can pay any company or person... Pay anyone in the United States that you would normally pay by check, automatic debit, or cash. We send the money electronically whenever we can. If the person or company can’t accept electronic payments, we print a check and mail it for you. Additionally, download your payment info and import the file into a number of different personal financial software applications, if needed.A | The process for online bill pay is a simple way to pay your bills or to anyone you owe money. Paid all of your bills from one site automatically or send a check whenever you need. Also, you can have email or text alerts to let you know when a bill is due or when a check has been sent. Provide some info about the company or person you want to pay and then tell us how much and when you want the payment made. We send your payment electronically when possible or if can’t accept electronic payments, we will print a check and mail the payment.Anyone in the United States. You can pay companies, friends, family members, and service providers, such as the babysitter or the plumber.A | Yes. Bill Pay uses several methods to ensure that your info is secure. SSL - Bill Pay uses SSL (secure sockets layer) which ensures that your connection and info are secure from outside inspection. Encryption - Bill Pay uses 128-bit encryption to make your info unreadable as it passes over the Internet. Automatic Sign Out - Bill Pay automatically signs you out of a session if you are inactive for a predefined time (usually 10 minutes). This feature helps prevent another person from being able to resume your session if you walk away. For best security, don't use your browser's Back or Refresh buttons, and sign out immediately after you finish your tasks in Bill Pay. Multi-Layer Authentication (MFA) - MFA is used to authenticate if the identity of a user is genuine. It requires a user to present two or more pieces of evidence, or factors, for authentication. A key goal for MFA is to add additional authentication factors to increase security. For more about MFA, visit MULTI-FACTOR AUTHENTICATION & SECURING YOU.A | Yes. Your personal info is used to help us maintain your account and verify your identity. We verify this info with a consumer credit reporting agency for your security and protection. The verification process does not affect your credit report, credit rating, or creditworthiness. Please review the Terms of Service for a complete description of when Bill Pay must disclose info to third parties.A | The following features aim to make Bill Pay more accessible to assistive technology users: Navigation - Skip to content links on each page let you skip the page banner and navigation links and go directly to the main content. Headings organize each page’s content, and a screen reader’s H key moves the focus from heading to heading. The ARIA landmark regions named banner, navigation, main, and content info let you move to defined page regions. Use the appropriate key for your screen reader. Links have detailed descriptions that can be read with a screen reader’s links list. Regions and Tabs - Some pages have regions that expand or collapse details or forms and include the words Show or Hide in their link headings. Other areas have info presented as tabs, where the left or right arrow key changes the tab, and then you can read the tab content. Tables and Forms - A brief description of a table’s content is read by a screen reader as you navigate a page. Table headers locate your place in the table, and links in the table headers let you sort the table content. Using the table cell keys, the column or row heading info is read as well as the table’s data. Sort links open menus to control the display order of the table’s data. The Tab key changes sort selections, and the Enter key activates your selection. Fonts can be resized with magnifier software or the browser zoom feature without significantly changing the page layout. We make every effort to accommodate all users and do not wish to exclude anyone from accessing Bill Pay. Please contact us if you have any issues using PHFCUOnline.A | You can find the routing number on a check or deposit slip for your account. Look for the first nine digits in the lower left corner of your check or deposit slip. Some financial institutions publish their routing numbers on their website. If you cannot find the routing number, call your financial institution and ask for the number. The routing number you provide must be valid.A | Yes, you can change a payment that has not started processing or is pending. You cannot change payments that have already been paid. If you accidentally sent a payment and depending on the situation, we will contact the company on your behalf in an attempt to resolve the problem.A | If the payment is sent electronically, the money is withdrawn from your account one business day after processing begins. If the company or person cannot receive electronic payments, we print a check and mail it to the address you provide. For some checks, the money is withdrawn one business day after processing begins. For others, the money is withdrawn when the company or person deposits or cashes the check.A | You can see the status of your payments in the "Recent Payments" section of Bill Pay. Payments will show in "Pending Payments" until processing begins.A | If the company or person you're paying can receive electronic payments, the money is delivered in one to three business days. If the company or person you're paying cannot receive payments electronically, we mail them a paper check. This process typically takes three to five business days.A | If the company or person you want to pay does not receive electronic payments, we print a check and mail it to you. The process to mail a check is longer than than when the payment is sent electronically.A | When your payments are processed through Bill Pay, you are protected in the unlikely event of unauthorized transactions or delays.A | Some small companies, such as landscaping or cleaning services, may not assign you an account number. If you don't have an account number, you can enter other info that identifies you with the company you are paying. For example, you can use your service address or the name on the account.A | If the company or person doesn’t accept electronic payments, we print and mail a check on your behalf.A | Payment information is available for 84 months.A | You can download your pending and completed payments as a comma-separated values (CSV) file. You can import the file into a number of different personal financial software applications. To do this, visit the "Activity page," select the preferences you want, and click on "Download Payment List."A | If an automatic payment is scheduled for delivery on a non-business day such as a weekend or holiday, the date is adjusted to a business day. The Pending Payments section in Payment Center shows the adjusted delivery date. You can change the date as needed.A | First, cancel the scheduled payment in Pending Payments if you don't want it to be paid. To change or stop all future automatic payments, select the company or person on the Payment Center, click AutoPay, and change or stop the AutoPay options.A | There is no fee for paying with Bill Pay.A | Yes, our bill payment service is free. In order to use this service, you must have a checking account.A | Yes, PHFCUOnline Banking offers FREE Bill Payment where payments can be set up as one-time or re-occurring payments.