Debit/ATM Card

Q  How do I report a lost or stolen debit card?
A  Please call us immediately at 808.244.7981 during business hours, Monday - Friday, 9:00am - 4:45 pm or 800.472.3272 during non-business hours.

Q  What do I do if I forget my Personal Identification Number (PIN) for my debit card?
A  Please call us at 808.244.7981 during business hours, Monday – Friday, 9:00 am – 4:45 pm.

Q  How long will it take to receive my debit card?
A  Generally, debit cards may take up to 10 business days to receive from the time that the order is placed.

Q  Are there any restrictions using my debit card?
A  Wailuku Federal Credit Union is committed to providing you with the most advanced fraud protection solutions available.  In keeping with this commitment, we have implemented a tool which allows us to restrict debit card use in countries identified as having a high volume of fraudulent activity. For more info view our list of blocked countries.

Direct Deposit / Wire Transfer Information

Q  What is a routing number?
A  A routing number is a 9 digit identification number that is assigned to a federal or state chartered financial institution. An account number identifies your specific account with a financial institution and the routing number identifies the financial institution. Routing numbers normally appear on the bottom left of a check and are necessary to process electronic transactions which include direct deposits, wire transfers and debits for payments such as utilities, loans, insurance, etc. A routing number is sometimes referred to as an ABA (American Bankers Association) number.

Q  What is Wailuku Federal Credit Union’s routing number?
A  It is 321380085.FYI, routing numbers are always 9 digits.

Q  What must I do to have my entire paycheck (direct deposit) or a portion of my paycheck (payroll deduction) electronically transmitted to the credit union?
A  Please contact your payroll department to set up the direct deposit or payroll deduction and provide your account number, routing number and account type (savings or checking). This arrangement is an agreement between you and your employer. Therefore, initiation and termination of the agreement must be done with your employer.

Q  What information is required to receive an incoming domestic (U.S.) wire transfer?
A  The information shown below is required. Please note that we are not able to receive wire transfers directly, therefore the wire must be routed through Catalyst Corporate Federal Credit Union before being credited to a Wailuku Federal Credit Union account.

Receiving Financial Institution: Catalyst Corporate Federal Credit Union
ABA/Routing Number: 311990511
Beneficiary Financial Institution: Wailuku Federal Credit Union
Account Number: 321380085*
Beneficiary Information: Account Name
Account Number
Account Type (Savings or Checking)

  *This is Wailuku FCU's account no. with Catalyst Corporate FCU.


Q  What information will be required to receive an incoming foreign (outside U.S.) wire transfer?
A  The information that will be required for an incoming foreign wire transfer is the same as a domestic (U.S.) wire.

Q  What information will be required to send an outgoing domestic (U.S.) wire transfer?
A  The following information will be required:

Receiving Financial Institution: Name & Address
Routing/ABA Number
Beneficiary Account Information: Account Name
Account Number
Account Type (savings or checking)

Q  What information will be required to send an outgoing foreign wire transfer?
A  Sometimes a foreign financial institution may have a relationship with a domestic financial institution. The domestic financial institution may also be known as the intermediary institution. If that is the case, the same information which is shown above will be required.

If the foreign financial institution does not have a relationship with a domestic financial institution, a SWIFT (Society for Worldwide Interbank Financial Telecommunication) code will be required in place of the routing number. The SWIFT code for a foreign financial institution is the equivalent of the routing number for a domestic financial institution. Sometimes the SWIFT code may appear on an account statement.


Q  How do I apply for a loan?
A  You may apply online for an auto and personal loan or schedule an appointment. The documents that are normally required are:

  • If you receive W-2 income (not self-employed), pay stubs for the last 30 days
  • If you are self-employed, the most recent federal income tax return
  • If you are purchasing a vehicle, please click here for a list of additional documents and things to do

You may apply online for a real estate loan or schedule an appointment. The application process will inform you what documents you will be required to provide.

Q  What’s the difference between getting pre-qualified vs. pre-approved?
A  Whether it’s a real estate or auto loan, it’s always a good idea to get pre-qualified or pre-approved so you know approximately how much you can afford to spend. A pre-qualification is an estimated amount of how much you may be approved for, however, your credit is not checked and income and assets are not verified by documents. A pre-approval is stronger because your credit is checked and your income and assets are verified by documents. If you are just looking around and thinking about a purchase, the pre-qualification may be sufficient, however, if you are more serious and closer to a purchase, you will want to get a pre-approval. Please contact us to find out about getting pre-approved or pre-qualified for a real estate loan or auto and personal loan.

Online Services

Q  What is Virtual Branch?
A  Virtual Branch is our online product which allows you to access your account information and do transfers. Once you login to Virtual Branch, you may also sign up for products such as Bill Pay and eStatements. Bill Pay allows you to issue payments to 3rd parties on a recurring or non-recurring basis and when you sign up for eStatements, you will receive your periodic statements electronically instead of paper.

Q  How do I sign up for Virtual Branch?
A  Please click on the Virtual Branch button which is located at the top of each page. Then click on the Enroll Button. Enter your member number and your PIN (Personal Identification Number) is the last 4 digits of your social security number. Once you login, you will be able to change your password.

Ordering Checks

Q  How do I order checks?
A  You may place an order online, email or call us at 808.244.7981.

Q  How long will it take to receive my checks?
A  Generally checks take from 7 to 10 business days from the time that the order is placed.

CU Info

133 Ma'a Street  Kahului, HI 96732
P: 808.244.7981  F: 808.242.1507
Payoff Real Estate Fax:  808.748.0661

Routing No.: 321380085
Mon-Fri, 9:00 am to 4:45 pm
[email protected]


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