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A Local Credit Union That Cares


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 - 4:45pm) 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 800.757.9848 to create of change a PIN. For faster service, be sure you are calling from a phone number we have on file for you.

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.

Q: What ATMs (Automated Teller Machines) can I use to avoid surcharges?

A: Besides the ATM located at Wailuku Federal Credit Union, you may use any American Savings Bank ATM to avoid a surcharge.

Direct Deposit

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.

Wire Transfer Information

Incoming Wire Transfer Information

  • Q: What information is required to receive an incoming DOMESTIC (U.S.) wire transfer?

    A: 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.

    The following information will be required:

    • Receiving Financial Institution: Catalyst Corporate Federal Credit Union
    • ABA/Routing Number: 311990511
    • Beneficiary Financial Institution: Wailuku Federal Credit Union
    • Account Number: 321380085*
      *This is Wailuku Federal Credit Union's account no. with Catalyst Corporate FCU which is also our routing number.
    • Beneficiary Information: Account Name, Account Number, Account Type (Savings or Checking)

Outgoing Wire Transfer Information

Outgoing Wire Forms

  • 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: 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 review 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 profile is not verified by a credit report and income and assets are not verified by documents. A pre-approval is stronger because your credit is verified by a credit report 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 electronic statements (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: To enroll in Virtual Branch, 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 order checks online.

  • 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.

Have Other Questions?

Schedule an appointment today or call the credit union for more information.

I have been doing business with Wailuku Federal Credit Union for 11 years now. Walking into the branch feels like stepping into one of my family member’s home. I’m always greeted by a friendly face such as the team members Alyssa, Kellie, and Brandi just to name a few. Mahalo Wailuku FCU for treating me like family.
-Trina K.