Visa Debit Card

 

"Jack the Bulldog" Visa Debit Card

With the Credit Union VISA Debit Card, you can make withdrawals from more than 627,000 ATMs worldwide. There is no surcharge for using GUASFCU ATMs - we have ATMs in the Leavey Center, Hoya Snaxa, Walsh, and Leo O'Donovan's Dining Hall. In addition, GUASFCU is now a member of the Allpoint Network, offering access to 55,000 ATMs nationwide, surcharge free. When using another bank's ATM, there is a low $1 surcharge. But, the debit card is much more than an ATM card. Your card may be used at any of the more than 21 million merchants that accept VISA. The VISA Debit Card is a great way to avoid getting yourself into expensive credit card debt - you're sure to always spend within your budget. And, you always get a variety of purchase protections when you use your debit card.

Debit Card vs. Credit Card

Credit. Every time you use a credit card, you are actually borrowing money that is made available to you by a bank or other financial institution. The institution pays the debt to the vendor, and in turn, you pay the money back to the institution. By signing up for a credit card, you agree to pay back the money that you borrowed, in addition to any interest drawn on the amount you borrowed.

Debit. Odds are, you have a debit card in your wallet or purse right now, since many ATM cards are programmed to have debit options. Issued by your bank, debit cards take funds directly from the money that you have in your bank account--in a sense acting like a check, just faster. With a debit card, you don't have to carry cash or checks, and it is very convenient to shop at a variety of places including gas stations, grocery stores, restaurants, and retail stores. They provide instant access to your money and are accepted worldwide. Debit cards are used like credit cards, meaning that the store you are shopping at 'swipes' them, and then you sign off on the receipt. You don't have to show a picture ID, and there is usually no PIN number for you to punch in.

When using your Credit Union VISA Debit Card to make purchases, you can run either debit or credit transactions. When a transaction is run as debit, you will be required to enter your PIN. When run as credit, the transaction will not require a PIN and the money will be withdrawn within 3 business days.

Cancel a Card

To cancel a current card, please immediately call 1-800-554-8969. To order a new card, call into the Credit Union at (202) 687-8616. If fraudulent charges have been made using your card, click here to download Visa dispute information, then contact member services.

Active Fraud Protection

The Credit Union VISA CheckCard offers you VISA's Zero Liability Guarantee. You will never be liable for unauthorized transactions. Whether your purchase was made at a store, over the phone, or online, you are not responsible for any fraudulent charges that are non-pin based. Guaranteed. If your card or card number is ever compromised, report the card lost or stolen immediatley. If any unauthroized charges have been made, you can eaisly dispute the charges and we will credit your account in 5-7 days.

Activation and PIN Selection

For your protection, your card is shipped inactive. To activate the card, follow the instructions provided. You will receive a default PIN within 1-2 days of receiving the card. However, you may select a personalized PIN at any time by visiting our member service department.

Frequently Asked Questions

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