Fraud Prevention: Credit and Debit Cards

Features to Protect Your Credit and Debit Cards

All First Hawaiian Bank credit and debit cards provide the following security features:

  • New – Starting in January 2019: Fraud Alerts[1]
  • When our system detects suspicious activity on your credit or debit card account, First Hawaiian Bank will send you an automated text message, email, and/or telephone call. Messages will be free to you.
  • If we have contacted you about a valid transaction, confirm that you authorized it and continue using your account normally.
  • If we have contacted you about a fraudulent transaction, respond to us quickly and we will restrict further activity on your account. We will also put you in touch with our team of fraud specialists.
  • Please consult our Fraud Alerts FAQ
  • Free card replacement in the event of fraud or theft
  • If you are ever the victim of fraud or theft, we will replace your card for free.
  • Call us immediately at 844-4444 (toll-free at 1-888-844-4444) if you need a replacement card.
  • Please note that if you have not been the victim of fraud or theft, but have only lost your card, replacement fees may be applicable.
  • EMV chip technology
  • All FHB credit and debit cards issued in 2018 or later are equipped with embedded EMV chips, which provide you with an extra layer of security when you use your card.
  • The embedded EMV chip in your card generates a unique, one-time code for each transaction. This code makes it more difficult for fraudsters to counterfeit your card.
  • Put your photo on your credit or debit card (Optional service)
  • If your credit or debit card is stolen, having your photo on the card may reduce the likelihood that thieves can successfully complete in-store transactions with your card.
  • If you would like your photo printed on the back of your credit or debit card, you can have your picture taken at any First Hawaiian Bank branch. Your photo will then be printed on the back of your card the next time it is reissued (e.g. due to expiration).
  • For new account openings, take your approval letter to any First Hawaiian Bank branch and have your picture taken. Your photo will then be printed on the back of your new credit or debit card.

Security Precautions for Everyone

To protect your bank accounts, credit cards, and debit cards, remember to do the following:

  • Report lost or stolen cards and checks immediately
  • Review account statements carefully. Ask about suspicious charges. Do not hesitate to contact us if you see charges on your account that you did not make.
  • Do not print your Social Security Number on your checks.
  • Store new and cancelled checks in a secure place.
  • Cut up expired bank and credit cards, and dispose of them promptly. If you are certain that you will not use them, cancel unused bank and credit cards, cut them up, and dispose of them immediately.
  • Keep your ATM PIN secure.

o   Do not use obvious or easily obtainable information as your PIN (e.g. your birth date or part of your Social Security Number)

o   Avoid writing down your PIN

o   Never share your PIN with anybody

  • Minimize the chance of mail theft by doing the following:

o   Know your billing and statement cycles. This way, you can let us know quickly if you have not received a statement.

o   Retrieve incoming mail promptly

o   Do not place outgoing mail containing sensitive information in your mailbox. Deposit mail in a U.S. Postal Service mail box or at a post office.

  • How to report suspicious activity:

o   Oahu: 844-4444

o   The Neighbor Islands, Mainland U.S., Guam, and CNMI: 1-888-844-4444

 

[1] First Hawaiian Bank Alerts program. If First Hawaiian Bank detects potentially fraudulent activity on your credit or debit cards, we may send you notification via email, text message, and/or automated phone message. Messages will be free to you. You may opt out of text and phone messages by following instructions in those messages. If you reply STOP to a text message, you will get one additional confirmation message stating that you’ve opted out and will no longer receive messages from First Hawaiian Bank. Carriers are not responsible for any delayed or undelivered messages. Messages may be delayed or not delivered due to factors outside of the carrier’s control. PARTICIPATING WIRELESS CARRIERS: AT&T, Boost Mobile, MetroPCS, Sprint, T-Mobile, Verizon Wireless, Virgin Mobile USA.

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24 - Hour Customer Service
Oahu: (808) 844-4444
Toll Free: (888) 844-4444

FHB Online/Bill Pay/Mobile Banking
Oahu: 643-4343
Toll Free: (888) 643-4343
Mon-Fri 8:00 A.M. to 9:00 P.M.

For Hearing Impaired Callers
TTY/TDD
Oahu: 848-5491
Toll Free: (800) 228-6181