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Pearl Hawaii Credit Union
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Pearl Hawaii Credit Union
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Website troubleshooting and FAQ





Is PHFCUOnline Billpay asking you to enable or disable cookies? Please follow the links below for instructions to your specific browser:
Follow steps 1-6: 
  1. In the top black bar, click on "First Time User? Register Here"
  2. Enter your member number, last 4 digits of the primary account holder’s Social Security Number, and birth date. After you enter the information, click the submit button.
  3. You will now be asked to read the Online Banking User Agreement. If you agree to the terms listed, click on the I agree button.
  4. You will now need to choose a password. Enter your first name, last name, and email address in the boxes provided. Enter your password. Confirm your password by entering it again in the box provided. Your password needs to be at least 8 characters long. We recommend that you use alpha, numeric, and symbol combinations. For example: 123abc$!.
  5. You must now create 3 personal security questions, as well as answers to these questions in the boxes provided. These questions should be simple with answers that are easy for you to remember. They should also be answers that do not change and only ones you would know. After you enter this information, click on the finish button.
  6. CONGRATS! You are now able to access your accounts online. Please note that these steps are only needed for the first time you log into our new Online Banking System. When you log onto Online Banking in the future, you will be able to access your accounts immediately online.
Our bill payment system will screen each payment added by you to verify that the person/company (payee) is able to accept electronic payments. If the payee is able to receive electronic payments, your payment 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.
If a physical check was sent (an envelope symbol will be displayed), you will not see it clear your account until the recipient deposits the check and the check clears with their financial institution (similar to a personal check). If the payment was sent electronically (a lightening bolt symbol is displayed), please verify that you have the correct account number.
If you look to the left of the company/person's (payee) name there will be either a lightning bolt or an envelope icon. A lightning bolt represents an electronic payment. Electronic payments should arrive within 2-3 business days. An envelope represents a check payment and should arrive within 7-10 business days.
Yes, our bill payment service is free. In order to use this service, you must have a checking account.
Yes you can. After you sign into PHFCUOnline, simply go to the Add People tab in the Transfers section. You will need to provide the member's name and complete account number. Please note: If the account is overdrawn, the transfer will not go through.
Unfortunately, you would have to login to each account separately.
You may be using the wrong user name and/or password. If you are certain you have the correct user name and password, sometimes clearing your temporary internet files and cookies/cache will fix the issue. Please call us at 808-737-4328 (73-PHFCU) if the problem persists.
Passwords include a combination of lower and uppercase letters, numbers, and special characters. In some cases, members forget a portion of their password. Please call us at 808-737-4328 (73-PHFCU) if you need to have your password reset.


If you have any questions logging on to our Online Banking site, please contact us at 1-808-737-4328 (73-PHFCU).