Once you open an account at Pearl Hawaii, you will be able to take advantage of several benefits and services to assist you with your banking needs.
ACCESS
Your Online Branch | Login Instructions
Shared Branching Pearl Hawaii members have access to many locations locally and thousands nationwide
Mobile Banking Download our app from your smartphone’s app store (search for Pearl)
ATM Access Members have surcharge-free access through First Hawaiian Bank ATMs.
Digital Wallets (Apple, Google, Samsung)
Card Controls Cardholders can review their card transactions, set alerts, develop controls, make payments, report a card as lost or stolen, and add or remove the cards they wish to manage.
PHFCUOnline
Transfer funds to your other accounts, at another financial institution, to another member, or you can use PearlPay to transfer to someone not with Pearl Hawaii.
Manage Money with LIFE (Loans, Investments, Finances, Earnings) Manager
Deposit Checks with SnapDeposit
LOANS
Upgrade you with a Pearl Hawaii loan...
Personal (Emergency, Tax, Debt Consolidation, plus more!)
Used Auto (up to 12 model years old)
PAL Certificate (Pre-Approved Loan)
Credit Create (First Time Credit Program)
Emergency Assistance In the event that you experience an emergency, PHFCU will offer members relief assistance and options, which may include: payment deferments, partial payment plans, flexible payment arrangements and term modifications, low rate consolidation loans, payday loan alternatives, and personal loans for amounts of $300 up to $50,000. Please call us so we can help you.
HOME LOANS
30 Year Mortgages (Conventional, First Time Home buyer available)
Home Equity Loans (up to 30 year terms)
Home Equity Lines of Credit (HELOC)
Closed-End Second Mortgage Loans
LOANS PRODUCTS
Guaranteed Auto Protection (GAP) Plus
Mechanical Repair Coverage (MRC)
ACCOUNTS
Checking Rewards (Cash, Cash Back, or Gift Card)
Momi’s Money (Kids aged 12 and younger)
Teen Debit Account (Teens aged 13-17)
SERVICES
WIRE TRANSFERS | To send a wire transfer, come into any of our branches. Make sure to bring all your recipient’s banking info, as well as your ID. Wire processing times are from Monday through Friday (Domestic Wires: 8:00 am – 10:30 am HST, International Wires: 8:00 am – 9:30 HST). Our Member Service Representatives can accept wires any time during the day, but your request must be received before 10:30 am for domestic wires and 9:30 am for international wires if you would like to have the wire go out on the same day.
SAFE DEPOSIT BOXES | Available at Waipio.
OVERDRAFT PRIVILEGE
INSTANT ISSUE CARDS | Available at Waipio, Waianae, Airport, Honolulu, Ewa
DIRECT DEPOSIT & PAYROLL ALLOTMENT
CONVENIENCE
COIN SORTING | Waipio, Airport | As a member, you can use one of our Coinstar kiosks. MEMBER BENEFIT | Free up to $200 Per Day. 5% Thereafter. NON-MEMBERS | 9% Fee
OFFICIAL CHECKS | As an added convenience to our members, PHFCU offers Official Checks for those times when you need funds that are absolutely guaranteed by us. This service is available at all locations.
TEMPORARY CHECKS | In a bind and need checks immediately? We can print checks for your on the spot. Note: Service is only available at our Waipio location.
CARD CONTROLS | Monitor your card and receive alerts
INSTANT ISSUE CARDS | Available at Waipio, Waianae, Airport, Honolulu, Ewa
EXCLUSIVE OFFERS
Pearl Hawaii members can receive Get Away Today special offers on a variety of vacations across the world.
Get exclusive Disneyland offers such as adult admissions at kids’ prices for select dates, 5th day free Park Hopper tickets, extra night free hotel specials, and layaway plans from $175 down.
Get Away Today is the #1 discount provider to the Disneyland Resort and will save you the most on park tickets, discount hotel stays, transportation, dining, and more! Also, when you use our link for your next vacation, Get Away Today will make a donation to The Children’s Miracle Network.
DISCOUNTED MOVIE TICKETS
Pearl Hawaii members can save by purchasing discounted movie tickets at any location. The next time that you are at the branch, just ask any Member Service Specialist that you would like to purchase Consolidated or Regal theatre tickets.
Pearl Hawaii members can receive exclusive discounts from a variety of partners, including Turbo Tax, Carvana, Sams Club, Calm, plus several travel deals.
INSURANCE
Life
Long-Term Care
Disability Income
Accidental Death and Dismemberment
Term Life
Whole Life
Lifetime Income Plan
Auto
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