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Our Visa® Debit Card comes with any Home Savings Checking Account. Upgrade your card to a Premium Gold or Platinum Debit Card and receive card level perks & benefits!

Debit Card

Debit Card

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  • Use your debit card for everyday purchases anywhere Visa® is accepted. We suggest using a credit transaction when shopping to keep your PIN private. The amount of purchase is simply deducted from your checking account.
  • Make deposits and withdrawals at the ATM.
  • MoneyPass® - Surcharge-free use at thousands of MoneyPass network ATMs nationwide.1
  • Bill Pay — Save time every month when you set up recurring payments with your debit card.
  • Mobile Banking — Bank on the go with our mobile website, smartphone apps and text message banking.
  • Advanced, chip-enabled technology increases security over traditional magstripe cards.
  • CashBack@HOME - A FREE program that delivers special offers to you inside Online Banking, just for using your debit card. You earn cash back into your checking account!
  • Zero Liability - You can count on Visa's 100% protection against fraud and unauthorized purchases if your card is ever lost or stolen.2
  • Stop in your nearest branch to open your account today!
Branch Locations
1 Service fees may be charged at non-Home Savings ATMs. Non-customers are subject to a fee for account withdrawals.
2 VISAs Zero Liability policy covers U.S.-issued cards only and does not apply to ATM transactions, PIN transactions not processed by VISA, or certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use. Consult issuer for additional details or visit visa.com/security.
Premium Rewards

Premium Rewards

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The program that rewards you just for using your debit card!*

Consider it our little "Thank You" for being a loyal customer. It's Easy! We'll give you points for simply using your Home Savings Debit Card to purchase merchandise or services. Then, redeem your points and receive great gifts and merchandise.

  • Rewards - Explore fantastic rewards items available in the HS Premium Rewards program. Search for products by category, number of points, or by keyword. You can also add rewards to your Wish List.
  • Shop Online - Through the program you can shop online to earn bonus points or cash back! Search for your favorite online merchants by category, or by keyword to start shopping!
  • e-Deposit - Get your points easier and faster by e-depositing them! Simply link your rewards account to your checking account.
Learn More
*These accounts are not eligible for enrollment in the rewards program: Health Savings checking, Stepping Stone checking, any Money Market checking, IOLTA checking, IOTA checking and Home Equity Line of Credit accounts.
Premium Gold & Platinum Debit Cards

Premium Gold & Platinum Debit Cards

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My Rewards™
Gold Debit Card

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Enjoy the same features that come with our Visa® Debit Card, plus so much more!

  • Earn DOUBLE Points - Each purchase you make with the Gold Debit Card, will earn you DOUBLE the points.
  • 1.5 Times The Cash Back - Earn an average of 3.5% cash back when you shop online through the rewards website.
  • 1.5 Times Bonus Points - Earn bonus rewards points when you shop online through the rewards website.
  • Medical Evacuation & Travel Assistance Services, Emergency Roadside Assistance, VIP Customer Service, Expedited Card Replacement, Free My Rewards™ Mobile App, Discounts and Coupons, Prescription Savings, Extended Warranty
  • Stop in your nearest branch to open your account today!
Learn More

My Rewards™ Platinum Debit Card

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Enjoy the same features that come with our Visa® Debit Card, plus so much more!

  • Earn TRIPLE Points - Each purchase you make with the Platinum Debit Card, will earn you TRIPLE the points.
  • 2 Times The Cash Back - Earn an average of 5% cash back when you shop online through the rewards website.
  • 2 Times Bonus Points - Earn bonus rewards points when you shop online through the rewards website.
  • Medical Evacuation & Travel Assistance Services, Emergency Roadside Assistance, VIP Customer Service, Expedited Card Replacement, Free My Rewards™ Mobile App, Discounts & Coupons, Prescription Savings, Extended Warranty, Buyers Protection, Cell Phone Protection, Exclusive Rewards
  • Stop in your nearest branch to open your account today!
Learn More

My Rewards™
Platinum Business Debit Card

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Enjoy the same features that come with our Visa® Business Debit Card, plus so much more!

  • Earn TRIPLE Points - Each purchase you make will earn you TRIPLE the points
  • Cash Back - Shop online through the rewards website for business supplies or personal needs, and you’ll earn cash back for your purchases
  • 2 Times Bonus Points - Earn bonus rewards points when you shop online through the rewards website
  • Medical Evacuation & Travel Assistance Services, Emergency Roadside Assistance, VIP Customer Service, Expedited Card Replacement, Free My Rewards™ Mobile App, Discounts & Coupons, Prescription Savings, Extended Warranty, Buyers protection, Exclusive rewards, Hotel & care rental discounts, $100,000 travel accident insurance, 24/7 remote tech support
  • Stop in your nearest branch to open your Business Banking account today!
Learn More
CUSTOM Photo DEBIT CARD

CUSTOM Photo DEBIT CARD

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It's as simple as choosing and uploading your favorite photo or choosing a photo from one of our galleries. With your Home Savings Custom Visa® Debit Card you'll be able to enjoy a family snapshot, your favorite scenery or whatever you choose as your background photo. And, joint account holders can each design their own debit card.

  • Your Custom Visa® Debit Card will replace your current debit card; remember to destroy your old card once you activate and use your new one.
  • To ensure image quality on your Custom Visa® Debit Card, please follow these guidelines when selecting a photo. 
  • Home Savings reserves the right to approve all images submitted for custom cards. The cost per card is $10, which is automatically deducted from your checking account.* For full details regarding card usage, costs, and acceptable image content, please see the Terms & Conditions.
  • Your Custom Visa® Debit Card also comes with chip technology for added security to help reduce counterfeit fraud.
*Overdraft fees may apply.
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CARD CONTROL MOBILE APP

CARD CONTROL MOBILE APP

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Control & monitor your debit card usage anytime, anywhere with our Card Control mobile app.

  • Misplace your card? No problem! Use the app to turn it off... and then turn it back on when you find it!
  • Protect your card from fraud. Set alerts and deny transactions based on merchant or transaction type and location.
  • Monitor and control dependent cardholders’ usage.
  • Manage your spending. With customizable controls and alerts for spending limits, you can set a budget and stick to it

Download your app now!*

* Message and data rates may apply; check with your wireless carrier.
Available on the Apple App Store

Android App on Google Play

App Setup Guide
OVERDRAFT OPTIONS

OVERDRAFT OPTIONS

At Home Savings we know you take managing your money very seriously! We also understand you would not intentionally overdraw your account; this is why we offer several programs to meet your individual needs.

In the unlikely event you do not have the funds available in your account when making a payment, writing a check or even swiping your debit card for those one-time transactions, take a minute to review the program that works best for you!!

  • Automatic Transfer - you can set up an automatic transfer from a savings, money market or another checking account. Transfers are made to cover the overdraft. There is a $10 per transfer fee.
  • Overdraft Line of Credit - This option is a line of credit, and requires credit approval. There’s a $25 annual fee.
  • Overdraft Privilege - Overdraft privilege is a discretionary overdraft coverage program that comes with many of our checking accounts.  This is a discretionary program where Home Savings will strive to pay your checks and automatic payments if there are not enough funds in your account to cover the transaction(s).  This can save you from additional fees from merchants.  Our standard overdraft fee is $36 and is assessed per item.  In addition, if your account is overdrawn for 7 consecutive days, we will charge an additional $10.
  • Debit Card - You’re required to tell us how you would like Home Savings to handle your debit card transaction(s) in the unlikely event that one of those debit card or ATM transactions would be presented for more than your available balance.

    You have two options, just let us know!
  1. You can authorize Home Savings to strive to pay that item, keeping in mind the standard overdraft fee would apply.
  2. If you choose to opt out, when you use your debit card and there are not enough funds to cover the transaction, the transaction would be declined, you will not be assessed a fee and you’ll need to find another form of payment.
Lost or stolen debit card

Lost or stolen debit card

Please call Customer Care if your debit card is lost or stolen.

   Contact a Banker

Fill out this brief form, and a qualified Home Savings banker will contact you within one business day to answer your questions.

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