FAQ – Debit Card

Here are some of our most frequently asked questions. If you need further assistance, please contact us.

Activation Questions

Continue to use your existing card until Monday, June 8, 2020. Your new card can be activated on this day.

For security purposes, please call from your primary phone number on file with Heartland FCU. You will also be prompted to set a 4-digit PIN for your new card during this call.

Call us at 937.294.1991. Or look at your personal information in It’sMe247 Online Banking or the Mobile App.

Contact the vendor to update their information with your new card number after you activate it.

debit card
Simple & Opportunity Checking
dream debit card
DREAM Checking
(ages 13 to 17)
reach debit card
REACH Checking
(ages 18 to 24)
hsa debit card
HSA Debit Card

Fraud Alerts

SMS/text messaging or phone call. Email is being considered as a future enhancement but it not available at this time.

We only reach out to you between 9 am-9 pm, based on your time zone.

877.230.3179

33748

Yes, you can opt out of receiving SMS/text alerts. Instructions are provided in all messages.

Outbound Text: “FreeMsg: Heartland Federal Credit Union Fraud Dept 800-889-5280: Did you try a charge of <TRANSACTION AMOUNT> at <MERCHANT NAME> on acct <LAST 4 DIGITS OF CARD NUMBER>? Reply “YES” or “NO”. To opt out text “STOP”

If YES reply received:
FreeMsg: Heartland Federal Credit Union Fraud Dept 800-889-5280: Thanks for verifying this transaction. You can now use your card.

If NO reply received:
FreeMsg: Heartland Federal Credit Union Fraud Dept 800-889-5280: Your card is now blocked. For a new card and to dispute charges contact your financial institution.

This is the fraud prevention department at Heartland Federal Credit Union calling for <MEMBER> We need to verify some recent activity on your debit card ending in <CARD LAST 4 DIGITS OF CARD NUMBER>. In order to prevent possible difficulties using your card, it is important that you call us back at your earliest convenience, toll free at 1-800-889-5280 to verify this activity. You may call us back 24 hours a day, 7 days a week. The number again is 1-800-889-5280

Contactless Feature

A contactless card uses short-range wireless technology to make secure payments between a contactless card and a contactless checkout terminal. When you tap your card near the Contactless Symbol, your payment is sent for authorization. There is no need to swipe, dip or insert your card. Look for the symbol.

contactless symbol

Yes, absolutely. Your contactless card uses the same secure encryption technology as your current EMV chip card. Each transaction is accompanied by a one-time code that securely protects your payment information.

Retailers that accept contactless payments will display the Contactless Symbol. Look out for it wherever you shop.

Yes. Your contactless card will continue to have contact functionality, so it can still be inserted or swiped at merchant locations without tap to pay at check-out terminals. Additionally, you can continue to use your card information at online merchants.

Merchant Rewards

All cardholders automatically receive Ampre rebates. In order to receive text or email notifications, you will have to register on the Ampre website and set up your communication preferences at heartland.myampre.com  

In order to ensure that you qualify for an Ampre rebate, you will need to run the transaction as signature instead of PIN.

Most rebates are made within 24 to 48 hours, but may take up to one week.

When you return a transaction where you received a rebate, that rebate will be reversed/deducted from your account.

Since there are tens of thousands of merchant locations with new partners being added all the time, the best way to see participating merchants and offers is to login at heartland.myampre.com  and search within local zip codes.

MobiMoney

MobiMoney is a Card Controls Application.

  • Card Controls – card on/off, location-based, transaction-type, merchant type, threshold-based
  • Card Alerting – card status, location-based, transaction-type, merchant type, threshold-based
  • Mobile Banking includes: Account balance, transaction history, account transfers for debit only

Any Android device (using 3.xOS or newer) or any Apple device (using iOS 6x or newer) will be supported. Click the appropriate app store below

app store
google play

To enroll, simply download the application from the Google Play Store or the Apple App Store and have your cardholder information ready to enter.

The MobiMoney app starts immediately.

The menu will be shown by holding down the button shown below.

Andoid Menu

MobiMoney enables you to set controls and alerts to limit fraud. These are set, and can vary, for each card registered and can be changed under the “Control Preferences” and “Alert Preferences” tab.

The configuration shows the last 50 transactions or the last 3 months of transactions.

The balances are obtained in real-time when the request is made.

Under the “Recent Transactions” tab find and tap the transaction you received the push notification. The “Transaction Details” screen will show the pertinent details of the transaction and by tapping on the dollar amount (top right) the screen will show what alert and controls settings would have triggered a notification.

The pass code is used for session validation and has two options. One is the actual pass code itself, the other (for Apple devices only) is touch ID. If you have logged in with your password, you have created a new session. That session should last for 24 hours assuming you don’t close the app completely. If you have not closed the app, and just switch back and forth between apps, you should be able to use the pass code to reenter the app. If you have closed the app, or the session time has expired, then you will be kicked back to the login screen.

If you are having trouble registering your card in the MobiMoney app, the first step is to verify that your address, SSN and expiration date you are entering in the MobiMoney app matches the information on file with the credit union.

“Block International” is really “Block Non-US” transactions. If you live outside the US, don’t use any of the location controls including My Location and My Region Controls.

Back to General FAQ


HELPING ... PROTECTING ... INFORMING - COVID-19 Update: Emergency financial assistance is available for members. Branch lobbies are open. Some Shared Branch locations may not be available. If you would like to make an appointment, click to our COVID-19 Resource Page.Learn more about our response to COVID-19
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