ATM/Debit Cards / Photo Debit Cards

All of Home Federal Bank's debit cards are offered with any of our checking accounts and may be used at over 39.6 million merchant locations worldwide displaying the Mastercard® logo. This eliminates the hassles of writing checks or carrying extra cash. Purchases are automatically deducted from your checking account and noted on your monthly statement.

Home Federal Bank Debit Mastercard gives you the convenience and protection you deserve- and benefits that can help you get more out of life.

More convenience

  • Better financial control than cash
  • Ability to track spending easily
  • Automatic bill payment

Better Protection

  • Mastercard ID Theft Protection
  • Mastercard Global Service
  • Zero Liability Protection

Great Shopping Benefits

  •  Extended Warranty
  • Satisfaction Guarantee

For more information about these features click here to view our Mastercard® Guide to Benefits

Be sure to take advantage of Home Federal Bank's automated teller machines (ATM). When using the ATM it will not be necessary to get out of your car or stand in line. You also have the advantage of being able to bank after hours and on weekends. Home Federal Bank customers with Maximum checking accounts benefit from free ATM usage anywhere in the world.

To report a lost or stolen debit card call 800-354-0182.



Our Save the Change Program makes everyday spending a tool for saving money, without even thinking about it.  Every time you use your Home Federal Bank Debit Card, the purchase price is rounded up to the next full dollar amount and deposited into a designated Home Federal Bank savings or checking account of your choice.  If you use your Home Federal Bank Debit Card several times in one day all the Save the Change round ups will be added together and posted to the designated account in one lump sum at the end of the day. 

Please visit one of our Branches for more information and to get signed up.



Home Federal Bank's new CardValet app lets you control all of your HFB debit cards.  Save time and gain peace of mind knowing you can control the cards in your wallet with the phone in your pocket.

CardValet lets you:

  • Turn your HFB debit card on and off
  • Establish transaction controls for dollar amount limits, merchant categories and geographic locations
  • Receive alerts when your HFB debit card is used, approved or exceeds the transaction controls set by you
  • Stay informed of potential fraud with alerts on attempted, declined transactions
  • Get real-time balances for your accounts

Get the mobile app today that lets you control HFB debit card usage and spending on the go!!  At Home Federal Bank, we are “Always Within Reach”©.


  Search for the stand alone app using CardValet  Or find it in our mobile app using the Manage My Cards feature.
   CardValet App Store  HFB Retail App Store



For more information about CardValet, download our CardValet FAQs and our CardValet Quick Reference Guide.

Download the app to your Android Smartphone or iPhone today!

CardValet Google PlayCardValet Apple Download 


Visit one of our branches in Kentucky or Tennessee to learn more about our debit cards and CardValet. 


What does your debit card say about you? At Home Federal Bank, it can say whatever you want!

You can choose from the following options: