Skip nav to main content.

HFS Federal Credit Union Security Center

With HFS Federal Credit Union, you've got a partner by your side with the tools to help you keep your information safe.

Set Up Online Banking Alerts
divider-wave-double

Bank Fraud

Fraud can steal your sense of financial security. It can show up in unauthorized transactions on your account, stolen cards or information, or even suspicious phone calls or emails. Scammers get trickier each year with new ways to steal your information. By recognizing what possible fraud looks like, remaining vigilant, and safeguarding your information you can lessen the chances that you could be impacted by fraud.

    • ATM, Debit Card, or Checking Fraud
    • Suspicious/Fraudulent Debit Card purchases or ATM withdrawals
    • Lost or stolen Debit Card, ATM card, or checks
    • Lost or stolen account numbers
    • Email
    • Text Messages
    • Phone calls impersonating HFS

Security Tools Included with an HFS FCU Membership

At HFS Federal Credit Union we take fraud seriously. As a member, you have access to tools that can help you stop fraud in its tracks. These include banking alerts via text or email, secure login to Online Banking, the CardValet App and more.

  • 2-step Verification

    • When logging in to Online Banking, not only will you enter your username and password, but you’ll receive a unique secure access code granting access to your account. This access code is sent to the email or phone number listed on your account. Each login will require a secure access code, unless you authorize your device. This prevents scammers from accessing your account from an unauthorized device.

    Fingerprint Authorization

    • One easy way to log in to Online Banking securely is using fingerprint technology with our HFS App. This type of technology comes with some iPhone models including the iPhone 6s, iPhone 8 and 8 Plus, and more (called Touch ID). Some versions of the Google Pixel phones as well as Android devices, including the Galaxy S5 and Galaxy note 4 also have fingerprint authorization technology.

    Apple Face ID

    • The HFS App is also compatible with devices that have Face ID – another feature making logging in to Online Banking easy and secure. This is available on versions of the iPhone, such as the iPhone X, iPhone XR, and iPhone XS.

  • Banking Alerts

    • Banking alerts are a great tool to keep you notified of what’s happening with your account. You can set up your own account alerts within Online Banking and choose the ones that fit your needs. We also have a Fraud Detection System that will notify you by phone if potential fraud is spotted within your account.

    Bank Account Changes

    Alerts are simple to set up within your Online Banking account. Just go to Settings and choose Alerts to start customizing yours.

    • Account Alerts: when the balance in your account is more than, less than, or exactly a certain amount
    • History Alerts: Triggered from withdrawals, check number, deposit or description
    • Online Transaction Alerts: Check reorders, funds transfers or stopped payments

    Withdrawals

    • Alerts can be set up through Online Banking
    • For debit card transactions specifically, members can download the HFS Cards App and can choose to get notified of transactions.

    Suspicious Activities

    • When a suspicious transaction is detected on your account, such as a transaction made in a different state or country, our Fraud Detection System may call you with a recorded message regarding possible fraudulent activity. When you receive this call, we suggest calling us back right away at (808) 930-1400, or visit your nearest HFS branch, to either confirm that it is fraudulent, or confirm that the transaction does in fact belong to you.
      • Once a fraudulent transaction has cleared your account, or even if it’s still pending, we are not able to stop it from going through. However, we can assist you in disputing the transaction to start the claim process.

    Contact Info Change on Account

    • If you need to make a change to your contact information, we only allow those changes to be made in person in a branch. This is a way to keep your information safe and verify that you in fact want these changes made.

    Multiple Failed Account Login Attempts

    • If someone is trying to access your account, being notified of their attempts in real time can help you stop fraud before it happens. Set up alerts for login attempts within your Online Banking account to be notified by email or text any time invalid login attempts are submitted.

    Ready to set up alerts? Follow our simple tutorial video for step by step instructions.

What Can Members Do To Protect Their Money?

As your credit union we do everything that we can to protect you from fraud, but unfortunately sometimes the criminals succeed. When that happens, here’s what you can do.

    • Place a call as soon as you discover the fraud
      • Debit Card Transactions: 1-866-652-7214
      • Visa Platinum® Credit Card Transactions: 1-866-604-8153
      • Visa Signature® Credit Card Transactions: 1-866-604-8139
    • Visit us at one of our HFS Federal Credit Union branches
    • Send a secure message through Online Banking
    • If you submit a message through our website contact form, please do not share any sensitive information, such as account or card numbers or Online Banking login information.

  • Our HFS Visa Platinum® and Visa Signature® Credit Cards will receive fraud alerts when a transaction seems suspicious. Fraud alerts will be sent through text message, phone call and email so we reach you in a way that’s quick and convenient for you. These alerts can help you catch fraud quickly and stop it in its tracks. If you receive one, be sure to follow up as soon as possible to prevent further fraudulent transactions.

    If you ever receive a fraud alert for your credit card, but you are unsure of its legitimacy feel free to call the Credit Union directly at (808) 930-1400 or toll-free at (800) 216-2666 for assistance. You can expect to see the numbers below if you are ever contacted by text message or phone call.

    • 91937 : Text SMS Short Code
    • 800-328-2071 : Fraud Alert Phone Number (on Caller ID)
    • 855-553-4290 : Fraud Alert Call Back Number

    Please remember that even with fraud alerts, we will never ask you for sensitive information such as your credit card number, account number, social security number, online banking login information, etc. If you are being asked for any sensitive information, do not respond and call us directly.

    • Call the number on the back of your card (1-855-251-1788)
    • Use the HFS Cards App
    • Call the number on the back of your Platinum or Signature cards
    • Access your card controls through HFS Online Banking or the Mobile App

  • Oftentimes, fraudulent transactions are flagged as transactions made in locations other than where you live. If you plan to travel, please be sure to call us and let us know the locations and dates of where and when you’ll be travelling. This notifies us to expect transactions from those locations and helps us better protect your money.

Frequently Asked Questions

  • Depending on the type of transaction being disputed, the claim process can take up to 90 days to complete.

  • For a question about an ongoing claim, it’s best for a member to call the card issuer’s customer service line:

    • For debit card transactions: 1-855-251-1788
    • For credit card transactions: 1-844-546-8218

  • If you have access to a branch location, we are able to instant issue a new debit card for you to pick up and start using right away. If you live off island, we would recommend using checks or an alternate means of payment until your replacement card arrives in the mail.

  • In some cases, yes. Upon completion of the dispute your money can be returned. However, this all depends upon the type of fraud that has taken place. If information, such as card numbers, was given out willingly the card issuer can claim that it is not fraud. This is why it is so important to always safeguard your financial information.

Become a member

Experience the credit union difference! Complete your application online or visit your nearest HFS branch.

Online Application Find a Branch

Open Account

Not a Member, Yet?

Open Your First Account

Already a Member?

Request Additional Account

 

Check your application status

Leaving Our Website

You are leaving the HFS Federal Credit Union website. HFS Federal Credit Union provides links to external sites for the convenience of its members. By clicking “Continue” you will be directed to an external website owned and operated by a third party. These external websites are not controlled by HFS Federal Credit Union and HFS Federal Credit Union makes no representation or warranty, express or implied, to the user concerning the information, content, presentation, accuracy or opinion of these sites or the quality, safety, or suitability of any software found on these sites. The privacy policies of HFS Federal Credit Union do not apply to external sites and users should consult the privacy policies on these sites for further information. Thank you for visiting the HFS Federal Credit Union website

Log in to Online Banking