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Instant Issue Debit Cards

Debit cards are a safe and convenient way to pay for everyday purchases. Plus, we can print you one right on the spot!
Our Debit Card is a fast and easy way to pay for everyday purchases and is accepted in millions of locations worldwide. No matter how you shop online or in stores, you'll enjoy secure and convenient transactions. Plus, with our instant issue service, we can print you a card on the spot at the following locations: Addison, Elmira Heights, Headquarters, Hornell, Horseheads, Southport, Mansfield and Wellsboro. So you never have to wait to receive a new card by mail!

  • 24/7 Fraud Monitoring Service 
  • Visa's Zero liability protection
  • We never charge you a fee to use your ATM card, plus we will even refund fees other places charge up to $25 per month if you have a qualifying APEX Reward Checking Account.
  • When given a choice, always select credit. This does not mean the purchase will be processed as a credit transaction, but it ensures that the Debit Card will be processed like a check instead of an ATM card.
  • Access to nearly 30,000 surcharge free ATM's nationwide.






























Debit Card
First Heritage Federal Credit Union Debit Card
Available for all checking account holders and works as an ATM card too.


SCORE Youth Spend Card
Learn more about our SCORE youth spend card.


School Spirit Debit Card
Hawks debit card
Select from 15 participating schools to show your pride.











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Tools For Your Journey
Activate Card
Activate your new card by calling JHA Card Activation & PIN Management at 1.800.290.7893.

Report Card Lost or Stolen

Report your card lost or stolen by calling JHA Hot Card Center™ at 1.888.297.3416

24/7 Fraud Monitoring
We offer 24/7 fraud protection monitoring service. Our fraud monitoring service will contact you on our behalf. 




Debit Card Fraud

Debit cards are convenient and their usage is higher than ever. Unfortunately, this also means that fraudsters have even more access to this information. First Heritage FCU uses advanced technology to detect unusual activity on your Visa® cards.
  • Keep contact information on file with First Heritage FCU current.
  • We offer 24/7 fraud protection monitoring service. Our fraud monitoring service will contact you on our behalf.
    • Fraud Prevention Service - When potential fraud is detected, you will receive a text alert from 96923 immediately after the alert is triggered. You will have the option to respond Yes if the transaction is valid or No if the transaction is not valid. A No response will immediately block the card. Five minutes after the initial text message an email is generated to the address on file with the credit union.
    • If there is no response received from you, five minutes after the text alert, you will receive an automatic phone call to confirm or deny fraud. Automated phone calls will only take place during the hours of 8 AM - 9 PM. Remember - our messages will never ask for your PIN or account number
  • Notify us if traveling- If you are traveling and plan to use your Visa Debit/Credit card, you can set travel notes in digital banking so you can be assured that your card services won't be disrupted while you're away.
  • Regularly monitor activity on all accounts.
  • Notify us if card/PIN number is lost or stolen.
  • Make an attempt to contact a merchant directly to resolve an issue.
  • Contact us to file a dispute if unable to resolve directly with the merchant.
  • Schedule an appointment
If it is determined that your information was compromised, contact us immediately so that we may guide you to a resolution. This may include filing a police report, contacting the three major credit bureaus, filing a written dispute with First Heritage FCU, closing the account, and obtaining a new debit/credit card.