Debit Card

Access your money with a swipe of your card. Heartland FCU offers eligible members a FREE ATM & VISA Debit Card, giving you purchasing power and providing you access to your funds at ATMs and millions of merchants worldwide. Transactions are deducted from your checking account, just like writing a check.

In the event of an overdraft of a checking account caused by a debit card transaction or ATM withdrawal, Heartland FCU offers Courtesy Pay for Everyday Debit and ATM Transactions.

Card Security

  • Chip Technology
  • Fraud Protection
  • Enhanced 3D-Security

Important Phone Numbers


  • Card activation
  • PIN change


  • Report lost or stolen card
  • Fraud or dispute transactions
  • Declined transactions with sufficient funds

Card Networks

  • Alliance One
  • Accel
  • CU Here
  • Money Pass
  • Plus System
  • VISA

Debit Card Round Up

Save your change every time you use your debit card! You’ll be amazed at how fast your savings grows when all your debit card transactions are “rounded up” and deposited into the savings account of your choice.

  • Complete the online form in It’sMe247 Online Banking
  • Stop in any Heartland FCU branch
  • Call 937.294.1991

VISA Account Updater

When you use your Heartland FCU Visa debit (check) and credit card for recurring payments, like utility bills, Visa will automatically update your card information through the Visa Account Updater (VAU) service whenever your card information changes. All Visa credit and debit card holders enjoy this benefit; no enrollment or activation is required. Click the icon below to opt-out.

HELPING ... PROTECTING ... INFORMING - Coronavirus Update: Emergency financial assistance is available for members. Branch services are available through Drive-Thru, Night Drop, ATM and appointments. Learn More
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