ATM/Debit Cards / Photo Debit Cards

All of Hearthside 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.

Hearthside 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 Hearthside 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. Hearthside 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 Hearthside Bank Debit Card, the purchase price is rounded up to the next full dollar amount and deposited into a designated Hearthside Bank savings or checking account of your choice.  If you use your Hearthside 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.



Hearthside Bank's new CardValet app lets you control all of your Hearthside Bank 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 debit card on and off
  • Establish transaction controls for dollar amount limits, merchant categories and geographic locations
  • Receive alerts when your 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 debit card usage and spending on the go!!  At Hearthside 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.

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 Hearthside Bank, it can say whatever you want!

You can choose from the following options:


Picture Perfect Debit Card

Create your own design:

Celebrate life's moments or just show your creative side, with the Hearthside Bank Picture Perfect Card program, personalize your debit card and show off your family, pet, or whatever you want with every purchase you make.

Share what's most important in your life – the people, pets, places and events – every time you make a purchase. Just upload a favorite digital photo to our Debit Card Designer or choose one of the designs already in our photo gallery, and we will make it your debit card background.

For additional information on designing your own card click on the links below:

FAQ's - Frequently asked Questions

Image Guidelines for acceptable images and picture size and file type requirements

Ready? Create

ID Debit Card

Worried about identity theft and card fraud? With the ID Debit Card, add an additional layer of protection for peace of mind. Add your photo to your card to help safeguard your account.

FAQ's - Frequently asked Questions.

Image Guidelines for acceptable images and picture size and file type requirements.

Ready? Create

Standard Debit Card

Save the time and hassle associated with writing checks. The Standard Debit Card can be used at ATMs and retail stores worldwide, anywhere you see the Mastercard® logo. Just call or come by any of our locations to order one today.

ATM Card

The ATM Card is a great way to access your funds 24 hours a day. This card is available with no initial fee for Electronic Transaction Accounts, Money Markets, and Statement Saving Accounts. Our ATM card can be used at any of our Hearthside Bank ATM locations for free.

Toggletabs Shadow

Member FDIC Equal Housing Lender