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Credit Cards in an instant. Need to finance an unexpected purchase or have access to funds in an emergency? Credit Cards used responsibly are a good way to build credit, finance small unexpected purchases or use for travel reservations, deposits on hotel rooms or rental cars. An Instant Issue Visa® from HFCU offers choices rates versus rewards – all in an instant! Getting your credit card is now faster and more convenient than ever with eSign!
Heritage Federal Credit Union offers four instant issue Visa credit cards.
With Instant Issue, members can receive their activated Visa card instantly upon approval. Visa credit card accounts can have an introductory rate as low as 0% APR* on purchases and balance transfers for the first 6 billing cycles. MyPreferred Visa: As low as 8.00% APR*. Credit limits from $5,000 to $25,000. MyPreferred +plus Visa: As low as 9.50% APR*. Earn reward points on all your purchases, credit limits from $5,000 to $25,000. MyChoice Visa: As low as 14.50% APR*. Credit limits from $500 to $25,000. MyChoice +plus Visa: As low as 16.00% APR*. Earn reward points on all your purchases, credit limits from $500 to $25,000.
Instant Issue Visa Credit Cards offer a variety of background images for you to choose from. For more information about bringing your balances over to Heritage Federal Credit Union, call us or visit any Heritage Federal Credit Union office. To apply for your Heritage Federal Credit Union Visa right now, just use our online application or apply through our Mobile App.
We all have to start somewhere - start building good credit history today!
Few things are more important than building a good credit history and learning the responsible use of credit early in life. Get your first MyChoice or MyChoice+plus Visa credit card with limits starting at $500 from HFCU! HFCU’s FirstTime Visa credit card is designed specifically for college students and first-time borrowers who have not yet established a credit history. Applying for a FirstTime Visa is fast and easy with our online application. You can also visit any of our locations in Vanderburgh, Warrick, and Posey counties in Indiana, or Henderson county in Kentucky, to get started.
Price protection is a free coverage that protects our members and saves them money. If a member makes a purchase with a qualifying HFCU VISA card, and then locates an advertisement for the identical item at a lower cost within 60 days of the original purchase price, Price Protection will refund the difference between the original purchase price and the advertised lower price up to $500 per claim and up to $2,500 a year per cardholder.
Heritage Federal Credit Union offers Visa Gift Cards for members.
These Visa gift cards make the perfect gift for special occasions such as weddings, graduations, birthdays, and sales incentive programs. We offer a variety of designs to choose from. Visa gift cards can be purchased at any of our branch locations. Please contact your branch in advance for large gift card orders. For balance inquiries and additional information about the Visa gift card purchased you may contact Visa Card Customer Service at (800) 827-6227 or online. Gift cards are available between $10 and $1,000. A $1.75 card fee is assessed at the time of purchase, and payment made by cash or transfer from another credit union account.
Added security & convenience.
Add your HFCU Visa credit and/or debit cards to Apple Pay™, Samsung Pay™, or Google Pay™. Easy to set up, easy to use, plus added layers of security to keep your information safe.
EMV VISA Cards are Here!
HFCU is now issuing new and replacement VISA credit and debit cards that have been updated with an EMV chip, the most innovative technology in combating fraud and protecting our members! EMV cards, or smart cards, utilize a computer chip embedded in the card to generate a one-time use security code. This is a small, metallic chip you’ll see on the left side of your VISA debit or credit cards. When you use your card to make purchases at a business, the chip communicates with the terminal, sending this one-time code exclusive to that purchase. The code cannot be used again, making it nearly impossible for your cardholder data to be stolen and counterfeited. Click here to learn more about EMV Visa Cards.
Members with a Heritage Federal Credit Union MyMoney Card are automatically enrolled.
Verified by Visa enrollment is no longer required on HFCU cards, but rest assured that your Visa card transaction is still secure. Your security is important, and therefore we have deployed advanced risk detection technology to monitor transactions which removes the need for passwords, allowing you to shop without interruption.
Falcon protects you from credit and debit card fraud by detecting activity outside of your normal spending patterns.
Falcon is a Heritage Federal Credit Union service to help protect you from fraudulent use of your Visa credit and debit cards. Read the FAQ below for more information about Falcon and how it works.
Pay online the easier way with Visa Checkout and your Heritage Federal Credit Union Visa card.
Visa Checkout works with your existing debit or credit cards across all your devices, no matter where you are. So, shopping stays convenient and paying online gets even easier.
A lost or stolen card can mean a lot of stress and worry. We’re here to ease your concerns and take the steps necessary to reduce your risk of financial loss and identity theft. Here are options to report your lost or stolen credit card:
*APR = Annual Percentage Rate. Information is accurate as of 01/01/2019. New consumer VISA® Credit Card accounts can have an introductory rate as low as 0% APR on new purchases and on balance transfers (excludes HFCU funds and must be balance transfers outside of the credit union) for the first 6 billing cycles. For balance transfers, there is no balance transfer fee. Balance transfers after the promotional period may be subject to a fee up to 4.00% of the amount transferred with a minimum of $10, a cash advance fee up to 2.00% of the advance amount with a minimum of $10, on each foreign transaction, there is a fee of 1.00% of the transaction amount. After the promotional period expires, the rate will convert to a variable APR currently between 9.00% and 17.00%. The rate is variable and may change. Qualification is based on an assessment of individual creditworthiness and our underwriting standards. All credit union loan programs, rates, terms and conditions are subject to change at any time without notice. Call us at toll free at (800) 858-1693 for current cost information.
It is an automated service designed to notify you when there is activity outside of typical spending patterns on your Heritage Federal Credit Union Visa credit card and MyMoney card. Having an automated service enables the credit union to contact you within moments of the transaction, receive your confirmation, and reduce the risk of the credit union authorizing additional transactions that may be fraudulent. You may be contacted for spending outside of normal patterns in terms of frequency, amounts, regional location, etc.
Falcon will contact you using the phone number Heritage Federal Credit Union has on file for you. Please make sure we have your most recent home and cell phone number in our database. We will not contact you via a work number. Please also indicate which number is the best number to reach you to verify your transactions.
During the hours of 8:00 a.m. to 9:00 p.m., seven days a week. Falcon will contact you to confirm transactions that are suspicious. The time zone of the call is based on where you reside.
If you receive a call from our automated service (Visa Fraud Prevention Services) you will be prompted to verify your identity. We will not ask for your card number or PIN number.
The automated system shares the five most recent transactions, giving the transaction amount, transaction date and time, and the merchant name or merchant category code, then asks whether you authorized these transactions.
If you do not recognize a transaction, your card will be blocked. You will need to contact HFCU to request a new card to be ordered. You may also speak with a member of the Card Services department team for further investigation as necessary.
If you are able to verify the transaction(s), the automated system will close the case and you may continue to use your card as normal.
If Falcon is unable to reach you, it will leave a message for you to return the call. The message will identify Heritage Federal Credit Union and provide you with a toll-free number and a case ID. When you call back, you will be asked for the Case ID or full card number. The service is available for your return call 24/7.
We have placed a temporary block on your Visa card to prevent additional transactions until we are able to confirm the activity with you. It is important that we hear from you as soon as possible so we can determine the appropriate next steps to protect you from fraudulent use of your account.
Once you call the toll-free number and confirm whether or not you made the purchase we will either remove the temporary block or block the card permanently. If your card is blocked permanently due to fraudulent activity you will need to contact HFCU to request a new card.
If you receive a call from Falcon, and do not return the call, your card will remain blocked until you contact Heritage Federal Credit Union at (812) 253-6928, for Kentucky residents call (270,)830-8233 or call toll free at (800) 858-1693, during normal business hours to request that the card be unblocked. Until that time your card could be blocked until you return the call to validate the transaction.
In an effort to enhance security, your new Heritage Federal Credit Union card now includes chip technology. The embedded chip on your card improves fraud protection when you make purchases at chip-activated terminals. It also provides global acceptance.
You will receive a new chip card when your current Heritage Federal card expires, if your card is lost or stolen, or if there is the potential of a fraud due to a breach in security with a merchant.
You can use your old Heritage Federal card until it is replaced with an EMV card. At that point you must activate and begin using your EMV card. Your EMV card still provides all the same features and benefits you currently receive, in addition to enhanced security and global acceptance.
There are no additional fees to use your new card.
The biggest benefit of EMV is the reduction in card fraud resulting from counterfeit cards. EMV also standardizes payment processes with the rest of the world. EMV technology supports enhanced cardholder verification methods and, unlike magnetic stripe cards.
You can use your card anywhere that accepts Visa Debit or Credit .
Every time you use your card at a chip-activated terminal, the embedded chip generates a one-time use code. This code is virtually impossible to counterfeit and help reduce in-store fraud.
All Visa cards offer protection from unauthorized use of your card or account information. Visa chip technology offers another layer of security when used at a chip-activated terminal. While Visa chip technology generated a one-time use code that’s virtually impossible to counterfeit, the account information may still be subject to compromise. Notify Heritage Federal Credit Union immediately of any unauthorized use and know you are protected with by Visa’s Zero Liability Policy.
In most cases, you’ll sign for credit purchases and either sign or enter your PIN for debit purchases – just like you do today. You may not be required to do either for certain types of transactions involving relatively small purchase amounts.
Heritage Federal develops rules to authorize transactions The transaction is authorized either real-time or batch. For a real-time authorization, transactions proceed as they do today in the U.S. with magnetic stripe cards.
Yes. If your card is lost or stolen, you are covered by Visa’s Zero Liability Policy. This means you are protected against unauthorized use.
More of the places you like to shop are transitioning to chip-activated terminals every day. The checkout process is only slightly different than usual, requiring you to insert your card rather than swipe. If you are unsure if a merchant is chip-ready, first, swipe your card like you do today. If a chip-activated terminal is available, you will be prompted to insert the chip end of your debit card into the terminal with the chip facing up. Leave your card in the terminal and follow the prompts on screen.
While your card is in the chip-activated terminal, the embedded chip creates a one-time use code. This code is virtually impossible to counterfeit and helps reduce in-store fraud. If you remove your card too soon, you transaction will be canceled.
Yes. If a merchant is not yet chip-activated, simply swipe your card and enter your PIN. Or select CREDIT and sign for your purchase.
Some merchants may have installed chip terminals, but haven’t’ activated them yet. In these cases, simply swipe your card to pay.
Yes. You can use your chip card at the ATM just as you always have. ATMs will eventually be upgraded to have chip readers as well, but this is not commonplace yet.
For your convenience, your card number has not changed. And you can still use the same PIN with your new card. Your card will have a new expiration date, so be sure to update your information with billers that charge your card regularly.
Yes. You can count on the same levels of benefits you always have.
As a current Heritage Federal Credit Union cardholder, you will automatically receive a new chip card when your current card expires. If you don’t want to wait until your expiration date, we will gladly assist you with a new card for a small fee.