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

Website troubleshooting and FAQ





From, click on “Log in” and then “register”. You will need the following information: Member/Account number, Social Security Number, Date of Birth, and Zip Code.
Your Username is either your member account number or a unique name that you picked.
Once logged in, click on “Transfer $ To a Member” You will need the members first and last name, their account number, and which account they would like the deposit in (1-Savings, 2- Checking).
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.
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.
  • Accessibility Constraints. We make every effort to accommodate all users and do not wish to exclude anyone from accessing Bill Pay. One area of the product that is currently not fully accessible is the date-picking calendar. The calendars for choosing payment and transfer dates are not usable with a keyboard or screen reader. We are continuing to make improvements to all aspects of the product. Contact customer service if you have an issue using Bill Pay.
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.
Is PHFCUOnline Billpay asking you to enable or disable cookies? Please follow the links below for instructions to your specific browser:
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.
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.
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).