11 banks and credit unions have branches in Pearl City. The Bank Fee Index holds published fees for 11 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Hawaii
Pearl City counts institutions with a branch here, wherever headquartered. Hawaii counts institutions headquartered in the state.
Pearl City
5 institutions with a branch here
$2
Hawaii
19 institutions headquartered in Hawaii
$1
U.S.
1,649 institutions in the index
$1.50
Chosen as the fee whose Pearl City median sits furthest from Hawaii's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Pearl City with Hawaii and the U.S. Each amount below links to the fee schedule it was read from, and an empty cell says why.
Published amounts here run from $10 to $32.
Median published overdraft fee
Pearl City
8 institutions with a branch here
$29.50
Hawaii
24 institutions headquartered in Hawaii
$25
U.S.
2,605 institutions in the index
$30
Pearl City covers every institution with a branch here, wherever it is headquartered. Hawaii covers institutions headquartered in the state. U.S. covers every institution in the Bank Fee Index.
11 institutions, 8 with a published overdraft fee.
Credit union, membership rules apply · based in Honolulu, HI · 2 branches here
Account not yet known
“Courtesy Pay Fee‡ … $29.00 each”
Credit union, membership rules apply · based in Honolulu, HI · 2 branches here
Account not yet known
“Overdraft Privilege® | $10.00”
Bank · based in Honolulu, HI · 1 branch here
Account not yet known
“• Overdraft Fee3 … $30 per item”
Bank · based in Honolulu, HI · 1 branch here
Account not yet known
“Non-Sufficient Funds Item Paid/Overdraft Fee $30 per item”
Bank · based in Honolulu, HI · 1 branch here
Account not yet known
“overdraft fee of $32 for each item over $5 or returned unpaid due to insufficient funds; however, personal accounts”
Bank · based in Honolulu, HI · 1 branch here
Account not yet known
“DebitPlus: We will charge a fee of $32.00 each time we pay an overdraft on an everyday debit card transaction.”
Bank · based in Honolulu, HI · 1 branch here
Bank · based in Honolulu, HI · 1 branch here
Account not yet known
“Item paid | $25.00”
Bank · based in Los Angeles, CA · 1 branch here
Credit union, membership rules apply · based in Honolulu, HI · 1 branch here
Largest banks by local bank deposits
Share of the $1.2 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: Honolulu County
Deposits and branches cover the City of Pearl City. Population and income cover Honolulu County, the county with most of Pearl City's bank branches, not the city alone. This is background. None of it sets or explains a fee.
Bank deposits
Change at branches here, 2021 to 2026
Bank branches
Change in branch count, 2016 to 2026
Population
Change between the 2022 and 2024 Census estimates
Median household income
Census estimate, 2024
Deposits and branches: FDIC Summary of Deposits, 2026 and earlier years. Population and income: Census American Community Survey 5-year estimates for Honolulu County.
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