• Announcement (4/1/2022)- Welcome to our Debit and Share Card Upgrade page which will have all the information you will need to know about the upcoming changes. Stay tuned for more updates.



Date Details Status
Late June 2022 New HFS Visa®  Debit Cards and Share Cards mailed to current cardholders.
Sunday, July 10, 2022 Last day to use your current debit or share card.

Also, last day to use the CardValet® App, which will be discontinued.  All current users should have received notice by email.

Monday, July 11, 2022 1. First day to activate, set your PIN (Personal Identification Number), and begin using your new debit or share card.

2. Update your card information wherever it is saved.

3. Download the HFS Cards App to access your new card controls.

4. Securely dispose of your old card

New Debit Card Features

  • Brand new card design (for both debit and share cards)
  • No more foreign transaction fees
  • More ways to pay! Tap, swipe or insert your card to pay
  • Increased fraud monitoring and alerts to better protect you
  • More card controls through the HFS Cards App

Frequently Asked Questions

Common Member Questions:

Program Changes

Question: Will there be changes to my card’s terms and conditions?

Answer: All existing terms and conditions will remain the same with the exception of the following:

  • Foreign Transaction fees have been eliminated
  • New customer service after-hours phone number:
    • Customer Service: 866-652-7214

Question: Are there changes in the fees?

Answer: Yes, we are eliminating foreign transaction fees to further benefit our cardholders.

Question: Will my card information change?

Answer: Yes. Cardholders will be receiving new card numbers so it will be very important to update your debit card information with any companies that you’ve set up automatic payment with. Tip: Do you have Online Banking? Click on Menu > Transactions > CardSwap. If you’ve never used this handy feature, it allows you to update your payment information with popular subscription and streaming services, merchants, and more all in one place!

You’ll also notice that your name, card number and expiration date are now on the back of your card. This is another way of helping to protect your sensitive information at store checkouts and ATMs. With your information on the back, when inserting your card into the machine or tapping your card, your sensitive data is no longer visible to those next to you.

Contactless Cards

Question: What is a Contactless card and what are the benefits?

Answer: The new Contactless feature is now available on all debit cards. A Contactless card payment utilizes a Radio Frequency (RF) technology, allowing cardholders to “wave” their Contactless card over a Contactless-enabled point-of-sale (POS) terminal. The embedded antenna transmits the payment info to the Contactless-enabled terminal using a one-time use code with each transaction. These new features allow for a secure, fast, and easy transaction process.

Question: Will I be able to add my debit card to a digital wallet?

Answer: You will have the ability to add your new HFS Visa® Debit Card to digital wallets, including Apple Wallet, Google Wallet, Samsung Pay, and more!

Question: How secure are Contactless Cards?

Answer: Every Contactless card payment transaction includes a one-time use, dynamic data for the transaction. This same data cannot be used for other transactions. In addition, each Contactless device must have its own unique secret key and this key is never transmitted.

Question: How do I make a Contactless card transaction?


  • Verify that there is a Contactless symbol on the transaction terminal.
  • Tap or hold your Visa debit card within 3 inches of the transaction terminal.

contactless symbol

Question: How do I use my card if a Store’s terminal does not have the Contactless symbol/feature?

Answer: Your new debit card also includes an embedded microchip and magnetic stripe, so that if you find your favorite stores have not updated their transaction terminals, you can use your new card in the same way that you had used a standard card.

18 replies to “2022 Debit & Share Card Upgrade

Lawrence D.

Will HFS Debit Cards finally get ApplePay capability???? Please??


Posted by: Jesica

Aloha Lawrence – I’m happy to say that yes, our new debit cards will work with Apple Pay!

Marc Landry

This is awful!!!
I am leaving Hawaii May 19 and will not be back till late August.
SO my current cards will suddenly stop working when I cannot access my new cards!!!
I need new cards mailed to where I will be!!


Posted by: Jesica

Aloha Marc – not to worry! We can work with you to get the new card mailed to you so that you are not without a working card. Please contact us by phone at (808) 930-1400 and provide us with the address where you will be at in late June/early July when the new cards are expected to arrive. Mahalo!

Randy M Perez

I want to be sure that ONLY the Visa Card Debit numbers will change but not our account numbers for banking and routing?


Posted by: Jesica

Hi Randy – that is correct. Your credit union account number and routing number will not change, but your card number will. Thanks for checking!


Will the credit cards change as well?


Posted by: Jesica

Hi Kamalei – the credit cards will not be changing. Thank you!

Bill Trammell

Will HFS be get or allow the use of Zelle anytime in the near future


Posted by: Jesica

Aloha Bill – Unfortunately not at this time, but I will be sure to share your comment regarding Zelle availability with our team. Mahalo!

Jaliyah Lord

If I won’t be at my current address during late June/early July when the new cards are being mailed out. Should I contact you with the address I will be at during that time?


Posted by: Jesica

Aloha Jaliyah – yes, please contact us by phone at (808) 930-1400, or visit us in branch, and let us know of the address so we can make sure you receive your new card. Thank you!


When are you going to the QFS or quantum financial system and when will you be compliant to use it. And were the foreign transaction fees waived due to the new global system no longer being tied to the centrsl banks currency and standards.


Posted by: Jesica

Aloha Peter, we do not have plans at this time to utilize the QFS. Also, foreign transaction fees were removed for the benefit of our membership, so members can enjoy their card when traveling, without having to worry about foreign transaction fees.


Will it still have the volcano? Or the image above? I want the volcano!


Posted by: Jesica

Hi Liz – we will be revealing the new card art next month (so stay tuned!), but it will no longer be the volcano image.


What are share cards?


Posted by: Jesica

Aloha Jean! Share cards are also known as ATM cards.

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