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Your First Financial Checking Account can help you save more and earn more money.



Win Up to $1,000 During our It Takes Two Sweepstakes!1

You can win $500 when you shop with either your First Financial credit or debit card this month! Even better: when you shop with both cards, you’re automatically entered to win $1,000!

Simply spend $100+ with either or each card to enter the sweepstakes. Use your First Financial cards
for everything you need.

Your purchases are protected. Visa’s “Zero Liability Policy” guarantees you won’t be held responsible
for unauthorized use.2

View Mahalo Specials

Valid purchases only; denied or voided transactions disqualified. Other terms and conditions may apply. FFCU employees and volunteers not eligible. Only qualified purchases with a cumulative total of $100 or more per card that occur during sweepstakes periods, October 1-15, 2021 and October 16-31, 2021, will be considered as entries. Eligible members must have an active FFCU Platinum Visa and FFCU Visa Debit. Winners will be randomly selected 10/18/21 and 11/1/21. FFCU reserves the right to the use of the winners’ names, photographs, likenesses, images and statements at any time for advertising and promotional purposes in any media (print or digital).
2Visa’s Zero Liability Policy covers U.S.-issued cards and does not apply to certain commercial card transactions or any transactions not processed by Visa. You must notify FFCU of any unauthorized use. For specific restrictions, limitations and other details, consult FFCU.

Visa Debit Cards – Safe and Secure For You

We know that these are challenging times and you may have concerns about your debit card and checking account. We want to assure you that using your debit card is safe and secure. If you’re worried about handling cash at this time, your card remains a great alternative. Remember, it is your go-to connection to the money in your checking account.

Your debit card gives you the freedom of 24/7 access to account; however, we are here if you would like to speak with a representative on the phone or in-person at your local branch.

Enjoy Peace-of-Mind – Your Purchases are Protected

Right now we can all use a little extra assurance. When your use your Visa debit card online or in-person, your purchases are protected by Visa’s Zero Liability Policy!*

We can also help you set up activity alerts on your account for even greater security. You’ll be notified of activity when it occurs (see below for details).

So Much Convenience Built into One Card – Just for You

It’s comforting to know some things don’t change. We are here for you and your Visa debit card provides you a safe, secure and easy way to manage and access your checking account.

  • Combines the safety of a credit card with the versatility of your checking account
  • Safer than cash; easier than checks
  • No Foreign Transaction Fees
  • Set-up to pay recurring bills and more
  • Access to your cash at over 30,000 ATMs
  • Accepted anywhere the Visa logo is displayed
  • And more
If you don’t have a First Financial Visa debit card yet, we can order one for you. It will take approximately 14 days to receive it.

*Visa Zero Liability Policy covers U.S.-issued cards and does not apply to certain commercial card transactions or any transactions not processed by Visa. You must notify First Financial immediately of any unauthorized use. Consult First Financial for additional details.


Add Your First Financial Debit Card to Your Mobile Wallet

Learn More

Debit Card

smsGuardian™ Fraud Prevention

Receive text-message alerts if suspicious activity occurs so you can take action right when it happens

Learn More >>

Visa's "Zero Liability" Policy

Added protection for your peace-of-mind.

Learn More >>

First Financial Visa® Debit cards feature chip technology for added security.
image of debit card
Simple. Secure. Smart.

See below for more details.
Receive an enhanced level of security. When you use your card at a chip-activated terminal, the embedded chip creates a unique, one-time use code for each transaction to be authenticated so it’s virtually impossible to replicate in a counterfeit card.

Check out with ease. Simply insert your card in a chip-activated terminal, follow the prompts and remove your card when the transaction is complete.

Enjoy global acceptance. More places than ever now accept chip cards. Whether you check out using chip technology or swipe your card, you can pay with confidence worldwide.
Answers to questions about chip technology

Q: What is a chip card?

A: First Financial Visa Debit Cards now feature built-in chip technology. You’ll enjoy global acceptance plus an enhanced level of security.

Q: How does chip technology protect my information?

A: When you use your card at a chip-activated terminal, the embedded chip generates a one-time use code. This code helps reduce in-store fraud.

Q: Where can I use a chip card?

A: You can use your card at millions of places that accept Visa Debit Cards, at home and around the world.

Q: Can I still swipe my card to pay?

A: Yes. If a merchant is not yet chip-activated, you can continue to swipe your card and enter your PIN. Or select CREDIT and sign for your purchase, if necessary.

Q: Does my chip card work at the ATM?

A: Yes. You can still use your card to get cash, check your balance and more. Be sure to insert the chip end of your card into the ATM with the chip facing up. Your card will remain in the ATM until your transaction is complete.

Q: Will I have to pay any fees to use a chip card?

A: No. There are no additional fees to use a chip card.

This free service sends account alerts & notifications to your email and/or mobile device* to keep better track of your finances. Setting up your alerts is quick and easy!

Set up Alerts & Notification
  1. Go to Online Banking and click on Additional Services menu tab
  2. Click on Alerts & Notifications
  3. Update email and/or mobile phone number to receive the alerts

  4. Click on Add Alert

  5. Select alerts & notification to add.

Message and data rates from your mobile carrier may apply.
An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. We can cover your overdrafts in two different ways:
  1. We have standard overdraft practices that come with your account.
  2. We also offer overdraft protection plans, such as a link to your Platinum Visa or a checking or savings account, which may be less expensive than our standard overdraft practices. To learn more, ask us about these plans.

This notice explains our standard overdraft practices.

What are the standard overdraft practices that come with my account?

We do authorize and pay overdrafts for the following types of transactions:

  • Checks and other transactions made using your checking account number
  • Automatic bill payments

We do not authorize and pay overdrafts for the following types of transaction unless you ask us to (see below):

  • ATM transactions
  • Everyday debit card transactions

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction.

If we do not authorize and pay an overdraft, your transaction will be declined.

What fees will I be charged if First Financial Credit Union pays my overdraft?

Under our standard overdraft practices, the following will apply:

  • Non-Sufficient Funds (NSF) -- we will charge you a fee of up to $35 each time we pay an overdraft.
  • However, we will not charge you an NSF fee more than 3 times per account per day (the maximum total NSF fee per account per day is $105 (3 x $35)).

What if I want First Financial Credit Union to authorize and pay overdrafts on my ATM and everyday debit card transactions?

If you also want us to authorize and pay overdrafts on ATM and everyday debit card transactions:

  1. Log into Online Banking
  2. Click on Card eServices
  3. Click on the REG E Opt In/Out form.

If your Visa Debit Card is lost or stolen:

US: (888) 297-3416 or call us at (800) 537-8491

To activate your First Financial cards, please call us at (800) 537-8491.

For after hours, please call:
US: (800) 290-7893
International: (206) 624-7998