Make Everyday Purchasing Quick and EasyThe VISA Debit Card makes everyday purchasing quick and easy, because it works like a check, and it’s safer than carrying cash. Even better, there’s no need to show ID, or wait for approval—so you’re in and out of stores in no time. You can use the VISA Debit Card wherever VISA is accepted.
The VISA Debit Card also acts like an ATM Card. You can use it at 400,000 ATMs in the VISA/PLUS Global ATM Network. The VISA Debit Card is so easy to use, why carry anything else?
To qualify for a debit card, you must be 17 or older and have a checking account at CBFCU. All applications are subject to credit approval.
Debit Card: Frequently Asked QuestionsQ: Why isn’t my debit card being approved for transactions?
A: Some possible reasons could be that you have insufficient funds, you have a loan payment that is past due, or you have exceeded your spending limit for the day. The most common reason is because the merchant is processing your card as a “credit” transaction. Our cards require a PIN and to be processed as “debit”.
Q: I need to purchase an item online/over the phone and the amount is greater than $1500.00, what do I do?
A: Contact Member Services at 423.496.3812 or 706.632.4888 during business hours in order to raise your “not present” debit limit temporarily.
Q: What are the extra 3 digits found on the signature strip on the back of the card?
A: Those digits allow online access with your debit card as well as protection to prevent fraudulent use of your account.
Q: My debit card is going to expire next month, do I have to reorder a new one?
A: No, a new card will be sent before the end of the expiration month, you will need to re-activate the card by calling the 1-800 number.
Q: How much does it cost to have a debit card?
A: There is no monthly fee to have a debit card.
Q: My card is cracking, can I get a new one?
A: Yes, there is a $5 replacement fee.
Q: My card was lost/stolen, what do I do?
A: Call 1-800-472-3272.
Q: Someone is making transactions on my card without my authorization, what do I do?
A: Report the card lost/stolen first, then contact your local branch to discuss fraudulent activity and the actions that will be taken.
Q: What do I do if I forgot my PIN?
A: Call toll free
Q: Can I change my PIN?
A: Yes. Call 800-757-9848 and follow the prompts to change your PIN.