Home Savings Bank debit cards provide an environmentally healthy alternative to using paper checks. Your debit card will work at ATMs and for purchases. Apply for your Home Savings debit card and take advantage of these great features:
- 24 hour access to your funds
- Use for purchases wherever Visa® is accepted
- FREE unlimited transactions when “credit” is selected at checkout
- No monthly or annual fees to use your card
- No surcharge fees at over 55,000 ATMs
- ATM access to your checking and savings
When using your card, remember to choose “credit” for purchases in order to receive free unlimited access.
Debit Card Fraud Detection System
Our debit cards include protection from an automated fraud detection system. Read more.
Travel Plans? Be sure to let us know.
If you have travel plans, please inform Home Savings Bank PRIOR to your trip. Call 608.282.6000 and provide the following: your name, the last 4 digits of the debit card that you will be using, your destination of travel (City, State, and Country), your departure and return dates, and a phone number at which you can be reached in case we need to contact you. It is important to inform Home Savings Bank of your travel plans so that we can monitor your account for potentially suspicious transactions and to ensure that there will not be any restrictions in the use of your debit card while traveling.
Visa Account Updater
October 10, 2017
Home Savings Bank is excited to announce our participation in a convenient feature for our Debit Card holders. What this means to you is that you will no longer need to update your card information with participating merchants when you receive a new debit card from Home Savings Bank. For example, if your card is reissued due to an upcoming expiration date, the new expiration date would be provided to businesses with whom you have set up recurring payments, such as Netflix.
What is the benefit of this service to you?
- Reduces the likelihood of a service interruption for subscriptions or recurring payments.
- Reduces the likelihood of denials when card information is updated automatically for participating merchants.
- Lessens the possibility of late fees and service disruptions with utility companies or other subscriptions with participating merchants.
You as a cardholder will still be responsible for contacting merchants to discontinue service. You also will be responsible for following up with merchants in order to ensure they automatically received updated card information through the account updater service, or provide updated information.
What is Visa Account Updater (VAU) and what does it do?
VAU is a service that will provide card number and expiration date updates to card-on-file merchants who maintain card records on their system, typically for recurring customer payments. This service provides a way for Home Savings Bank to communicate the most recent and prior card information to VISA.
What is card-on-file (COF) merchant?
COF merchants keep customer card numbers on file for recurring payments. Examples include subscription services (such as Netflix) and utility companies.
What are the benefits of this service?
Although it remains the cardholder’s responsibility to ensure that any merchants with which they do business have their latest card information, one benefit of this service is that participating merchants will receive this information automatically and electronically, lessening the likelihood of manual entry error. Recurring payments are more likely to be successful because updated card information is readily available to participating merchants.
In what scenario would the merchant use the updated cardholder information?
Participating merchants will typically try to obtain updated cardholder information prior to their billing cycle. Merchants who elect to use the Account Updater Service will be able to access updated card information, eliminating the potential for denied transactions due to outdated card-on-file information.