Disclosures – Pearl Hawaii

Check Hold Policy

For your protection and ours, when a check is accepted, a hold for that amount is temporarily placed on your account until the check clears.
	TYPE OF CHECK	When funds can be withdrawn
	Checks over $5000.00 and under	2 Business Days After the Day of Deposit
	Checks over $5000.00	5 Business Days After the Day of Deposit
	Checks deposited into overdrawn accounts or accounts that have patterns of non-sufficient funds or questionable repayment	7 Business Days After the Day of Deposit
	No Hold Exception Checks	Available the Same Day
The first $200.00 of the day’s check deposits will be released the same day unless the account has a negative balance. NO HOLD EXCEPTION ITEMS \| Federal & State of Hawaii issued checks, Official/Certified/Cashier’s checks (only if issuance is verified), Payroll checks (with previous deposit history or coordinating paystub for checks less than $2,000.00), U.S. Postal Money Orders (only if issuance is verified) and Traveler’s Cheques. BUSINESS DAY \| includes Monday – Friday (does not include Saturdays, Sundays and Federal Holidays). SHARED BRANCHING\|The individual’s credit union may have a different check hold/funds availability policy. Please contact the host credit union for more information. OTHER\| Special rules may apply for the first 30 days your account is open. Checks must be received either printed or written in black or dark blue ink.

SnapDeposit FAQ

What are the deposit posting time frames?

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.

Does SnapDeposit or PHFCU’s Mobile App cost anything?

Not a cent. SnapDeposit and PHFCU’s Mobile App are free.

Do I need to endorse the back of my check before I scan it?

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.

How do I cancel SnapDeposit and/or PHFCU’s Mobile App?

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 cancelling (SnapDeposit, PHFCU Mobile or both).

How do I sign up for PHFCU’s Mobile App?

Simply download the free app, enter your account information, and voila! - You are signed up.

How long should I keep my check once I have deposited it?

Hold on to your check for a month or so 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. In the end, you’re responsible for the proper disposal of your check within a reasonable amount of time.

I chose the wrong account for the deposit to go into. What should I do?

We all make mistakes. Simply log in to Online Banking 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.

I have scanned my check and keep getting an error message. What is wrong?

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.

Once I enroll in SnapDeposit, when can I begin using the service?

You will be able to use the service within one business day.

Was my check accepted?

When you successfully submit your check via SnapDeposit, you’ll see a deposit receipt on 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.

What if I deposit a check to my account and the paying institution returns it back to PHFCU?

A returned check is charged back to the account it was deposited to along with any applicable fees.

What if I forget to endorse the back of my check? Oops!

We’ll send you an email to let you know your check was rejected and needs to be properly endorsed.

When will my funds be available?

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 funds availability schedule and policies.

Who should I contact if I have an issue regarding my deposit?

We’re happy to help. Call us at 808-73-PHFCU (737-4328)

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System Maintenance

We will be performing a scheduled system maintenance on Saturday, September 28th between 3:30-6:00 PM. You may not have access to online banking. Sorry for the inconvenience.

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