A payment card that deducts money from your Checking Account to make purchases
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Overview
Why get a Debit Card from HFS?
Easier than cash and more widely accepted than checks, a Debit Card gives you instant access to money in your Checking Account. You can use your card for ATM transactions, signature purchases, chip purchases and PIN purchases. Members enjoy access to over 1 million ATMs worldwide and surcharge-free withdrawals from any Bank of Hawaii ATM; the largest ATM network in the state.1
- Unlimited access to your account
- Good wherever Visa is accepted
- Cash withdrawals at participating merchants
- Get full control of your Debit Card with CardValet®2
- Receive your Debit Card in-branch with Instant Issue
Card Valet
Get the mobile app that lets you control debit card usage and spending on the go. It’s your card on your terms.
Our CardValet app lets you:
- Turn your Debit Card on and off
- Establish transaction controls for dollar amount limits, merchant categories, and geographic locations
- Receive alerts when your Debit Card is used, approved or exceeds the transaction controls set by you
- Stay informed of potential fraud with alerts on attempted or declined transactions
- Get real-time balances for your accounts
Verified by Visa for your Debit Card
Verified by Visa is a proven system that uses identity information or passwords to confirm the identity of cardholders during online transactions, helping prevent fraudulent purchases before they occur.
Lost or Stolen VISA Debit Card
For questions or to report a lost or stolen Visa Debit Card please contact us at: Normal Business Hours (808) 930-1400 Toll Free (800) 216-2666 After hours & holidays (855) 251-1788 To dispute a debit card transaction (844) 202-5071 For questions about an existing dispute (844) 202-5070 To activate or change your PIN Number for a Visa Debit Card please call: 24 hours a day (844) 373-1732 1Other fees may apply for our-of-network ATMs. 2Data rates may apply. Check with your mobile phone carrier for details. CardValet is a registered trademark of Fiserv Inc or its affiliates.
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Reviews
VISA® Debit Card Reviews
HorribleHFS took a step backwards with this card. I hate the chip feature. All the stores or places I shop have different ways to pay. Some can't take the chip and some can. I literally have a list of places that take chip and don't. I shouldn't have ever needed to do this. Protection?? From what? No matter what you bring out to help people with security, unfortunately, there are always people who enjoy undoing it. The goal: security and easy to use pay. Did you get it? Nope.
Mahalo for your feedback. We're sorry to hear that you're unhappy with the EMV chip technology now available on our debit cards. Please rest assured that this new technology was implemented to help reduce fraud and better protect you. EMV chip technology although slow to be adapted here, will continue to be implemented at more merchants. During this time of transition, you may continue to use the magnetic stripe on the back of the debit card at merchants without an EMV chip reader. This will allow you to continue using your card no matter if the merchant accepts EMV or not. We hope this helps.
Old StyleThe only thing that I like about the new card is the picture. Other than that it sucks...the only store that reads the chip is Target and WalMart and when you use it that way it's automatically done as a Debit and you don't get to choose Debit/Credit. This new technology stuff sucks!
Thank you for your feedback. We're sorry to hear that you're unhappy with the EMV chip technology now available on our debit cards. Please rest assured that this new technology was implemented to help reduce fraud and better protect you. EMV chip technology although slow to be adapted here, will continue to be implemented at more merchants. During this time of transition, you may continue to use the magnetic stripe on the card at merchants without an EMV chip reader.
Good security, nice design, works wellI'm glad that we finally have the chip cards. They are much more secure than the old swipe type. In my opinion, the new design is more attractive than the old card. I do have one feature request though: the ability to use these cards with Android Pay. Last time I visited, I saw a poster that advertised Apple Pay compatibility; I imagine supporting Android Pay can't be too much different.
We're glad that you're happy with your new debit card! Also, mahalo for your suggestion regarding Android Pay. Due to a very small number of merchants in our community accepting mobile wallet payments, the credit union will be postponing our projects for further implementation until a later time. We will however be happy to share your input with our team.
Upgraded cardOur new debit cards suck ! Everytime i go to the store to buy something and i put it in the card reader it doesnt go through then we cant slide it it takes like 8 times to go through, hfs we need new cards
Thank you very much for your feedback. We're very sorry for the inconvenience this has caused you - our debit card should not work that way. One of our Service Representatives will be contacting you directly to help resolve the problem.
My Review
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Rates & Fees
Rates Effective as of: 09-25-2023
Visa® Debit Card
Transaction Fees ATM Inquiry (Unlimited usage) No Charge ATM Withdrawal (Unlimited usage) No Charge Expedited Shipping of Card $80.00 Foreign Transaction Fee without currency conversion 0.80% of transaction amount Foreign Transaction Fee with currency conversion 1.00% of transaction amount PIN Reissuance No Charge Point of Sale (POS) Transactions (Unlimited usage) No Charge Replacement Card No Charge Effective Date: August 3, 2016
The above include fees charged by HFS Federal Credit Union. It does not include any surcharges that may be levied by the machine owner at the time of the transaction. Credit Union members are not surcharged for inquiries or withdrawals made at Bank of Hawaii Machines.
Schedule of Fees and Charges- Consumer Accounts
Schedule of Fees and Charges- Business Accounts -
FAQ
Frequently Asked Questions
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What should I do if my transaction won’t go through and I know I still have an available balance in my account?
You may contact the Credit Union to provide you with a decline reason. Common reasons include improper card number, expiration date or security code. Be sure to check these, especially with online purchases.
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Who do I call if my Debit Card is lost or stolen?
Normal business hours (808) 930-1400
Toll free (800) 216-2666
After hours & holidays (855) 251-1788
Members may also enroll their Debit Card in CardValet®, a mobile app that lets you turn your card on and off. This may be helpful if you think you may have misplaced your card but don’t want to cancel it just yet.
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Do I need to notify HFS when I am traveling?
Yes, it is helpful to notify the Credit Union when and where you plan to be traveling.
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What is CardValet?
CardValet is a mobile app that lets you:
- Turn your Debit Card on and off
- Establish transaction controls for dollar amount limits, merchant categories, and geographic locations
- Receive alerts when your Debit Card is used, approved or exceeds the transaction controls set by you
- Stay informed of potential fraud with alerts on attempted or declined transactions
- Get real-time balances for your accounts
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What should I do if my transaction won’t go through and I know I still have an available balance in my account?
Questions?
Drop us a message anytime with your questions about VISA Debit Cards.
