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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!

Debit Card
SCORE Youth Spend Card
School Spirit Debit Card
First Heritage Federal Credit Union Debit Card
First Heritage Federal Credit Union Spend Card
Hawks debit card
Available for all checking account holders and works as an ATM card too.
Learn more about our SCORE youth spend card.

Select from 12 participating schools to show your pride.


You can get your debit card by calling 1-888-936-8402 or stop by one of our select locations to receive your card instantly.

Our Debit Card is a fast and easy way to pay for everyday purchases. It offers the convenience of plastic versus carrying a bulky checkbook or a lot of cash. Whether you're running errands, buying groceries, shopping for clothes or dining out, you don't have the hassle of writing a check and presenting I.D. You can use the card anywhere VISA® is accepted.

It's an ATM Card, too.

Your First Heritage Debit Card will give you access to the same ATM services you have grown to rely on. Withdraw cash, transfer balances, make inquiries and point-of-sale purchases.

Our VISA debit cards are embedded with smart chip technology. for extra security and you can make secure and convenient purchases with Mobile Wallet

When using your Debit Card in a grocery store, or anywhere you insert your card, you will be given various choices (ATM, debit, credit, etc.) to select. 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.

The instant issue debit and credit card service offers First Heritage Federal Credit Union members the purchasing power of Visa right away.  Cards are printed on demand at select branch locations. For more information call toll free 800-833-3338.

Card Management let's you set card controls, add restrictions and receive transaction alerts from your First Heritage mobile app or via text message. Learn more about Card Management.
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 Credit card, remember to let us know 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.

Tools For Your Journey.

Activate Card

Activate your new card by calling JHA Card Activation & PIN Management at 1-800-290-7893 (within U.S.) or 206-624-7998 (outside U.S.).

Report Card Lost or Stolen

Report your card lost or stolen by calling JHA Hot Card Center™ at 1-888-297-3416 (within U.S) or 206-389-5200 (outside U.S.).

24/7 Fraud Monitoring

We offer 24/7 fraud protection monitoring service. Our fraud monitoring service will contact you on our behalf. Learn more about Fraud Monitoring.
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Hear it from our members

MIchele Ensminger posing in the doorway of her store

Michele Ensminger

Owner of Be You-tiful Boutique

"There's so many different levels to First Heritage. Out of the whole entire thing (opening a business) the business loan was probably the easiest."
Keenan and Kaitlin

Keenan & Kaitlin

First-time Homeowners

"One great thing about working with First Heritage was that we know so little but they were never afraid to help us through the whole process."
Jesse and Laura Robinson

Laura & Jesse Robinson

Owners of Emerge & La Belle Auberge

"I was just surprised how easy it (PPP) have that piece taken care of for us was amazing."