Leave your checkbook at home.  Our VISA Debit Card works just like a check, except there’s no check to write!  Simply present it as you would a credit card, sign the sales slip and you’re on your way!  Your purchase amount is automatically deducted from your credit union Share Draft/Checking Account.  Better yet, there’s NO interest to pay, NO ID hassles, and NO check acceptance problems wherever you go.  Our VISA Debit Card is accepted virtually everywhere!

Your VISA Debit Card is actually two cards in one. It can also be used as an ATM card. You can withdraw cash, make deposits, verify account balances, and transfer funds between accounts worldwide!

Please click here for our Checking Account/VISA Debit Card application (in order to have a VISA Debit Card, you must maintain an active Share Draft Checking Account).

Note:  If you are traveling outside of the United States, please call us in advance at 1-800-624-3312, ext. 6200 to have uninterrupted access to your HEFCU credit card for the dates you will be traveling!

Effective April 4, 2008, Visa will charge a 0.8% international transaction fee for international transactions when Visa is not required to perform a currency conversion to U.S dollars. A 1.0% international transaction fee will be charged when Visa performs a currency conversion to U.S dollars.