VISA^® has made an update to its Zero Liability Protection Policy which affects HFS VISA^® Debit cardholders. Prior to this change, a member had no liability for unauthorized VISA^® transactions unless he or she was grossly negligent in the handling of his or her account or the card. With the most recent change, members are now covered unless they were negligent or fraudulent in the handling of the account or the card. This change could impose greater liability on the cardholder than before the change, because it raises the standard of care required by cardholders. As a reminder, please remember to keep your account and card information safe and secure at all times.

To review the changes to the Electronic Fund Transfers Agreement, please review the EFT Agreement and Disclosure or call us at (808) 930-1400 or toll free at (800) 216-2666 to have a paper copy mailed to you.

Update: for the most current Electronic Funds Transfer Agreement, please visit our Agreements and Disclosures page.