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VISA® Debit Card

"The best of the best in all categories. Service, courtesy, professionalism, with the spirit of aloha. Proud to be a member of this fine institution that is always thinking of our community, as it should be."

- Gerry


A payment card that deducts money from your Checking Account to make purchases


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


Receive your Debit Card in-branch with Instant Issue


Easily make payments with contactless technology and digital wallet access


Pay online the easier way with Visa Checkout

HFS Cards App

Get the mobile app that lets you control debit card usage and spending on the go. It’s your card on your terms. Our HFS Cards app lets you:

  • 1

    Turn your Debit Card ON and OFF.

  • 2

    Receive alerts when your Debit Card is used, approved or exceeds the transaction controls set by you.

  • 3

    Stay informed of potential fraud with alerts.

Download HFS Cards App

Complimentary Fraud Detection Service


Have some peace of mind knowing that HFS monitors your card for potential fraudulent activity. Should we detect something suspicious, you may get a phone call or text message to verify your transaction from (800) 272-9446, our automated HFS FCU Fraud Detection Center. They will also supply you with a case number.

If you miss our call, simply dial this number back, but be sure to have your case number handy.

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 (866) 652-7214


To activate or change your PIN Number for a Visa Debit Card please call:
Activate Your Card (800) 631-3197
Change Your PIN (888) 886-0083

In just a matter of minutes I was walking out with a debit card in hand and ready to use, unlike most banks where you have to wait a couple weeks. I definitely recommend HFS Federal Credit Union to anyone and everyone.

— Chris

Frequently Asked Questions

  • 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.

  • Normal business hours (808) 930-1400

    Toll free (800) 216-2666

    After hours & holidays (866) 652-7214

    Members may also enroll their Debit Card in the HFS Cards App, 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.

  • Yes, it is helpful to notify the Credit Union when and where you plan to be traveling.


Drop us a message anytime with your questions about VISA® Debit Cards.

  • 1Other fees may apply for out-of-network ATMs.

    Membership with the Credit Union is required and open to all who live, work, worship, attend school, volunteer or participate in associations headquartered on the island of Hawaii. A minimum opening balance of $50.00 is required to open a Savings Account.