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Card Products

ATM CARD

  • Minimum Age to Open: 17 years old
  • Accounts Associated With: Savings
  • Limits: $710.00 (24 hr. period)
  • Users per card: 1 card per owner/joint owner
  • Fees: 1% of purchase price on international sales
  • Fraud Detection: yes

Debit Card

  • Minimum Age to Open: 18 years old
  • Accounts Associated With: Savings & Checking
  • Limit: $1,000 (24 hr. period) *Limits can be raised temporaily by a member service representative for purchases over the daily limit.
  • Users per card: 1 card per owner/join owner
  • Fees: 1% of purchase price on international sales. Overdraft fees apply if member has Opt-in
  • Fraud Detection: Yes *See teen saver checking account for options for a 13-17 year old.

HSA Card

  • Minimum Age to Open: 18 years old
  • Accounts Associated With: HSA Checking Account ONLY
  • Debit Limit: $710.00 (24 hr. period)
  • Credit Limit: $1,000 (24 hr. period)
    *Limits can be raised temporarily by a member service rep. for purchases over the daily limit.
    *Must have hight deductible health car plan.
    *Deposit limits per year by IRS.
  • Fees: 1% of purchase price on international sales. Overdraft fees apply if member has Opt-in
  • Fraud Detection: Yes

VISA Gift Card

The gift card is a perfect gift instead of just giving cash for any occasion. It works basically the same as any other gift card. *Member purchases the card one time

  • One-time Activation Fee: $3.00
  • Inactivity (12 months) Fee: $5.00 per month
  • Foreign Currency Exchange Fee: 1%
  • Replacement Card: $10.00
  • Maximum Loads: 1 (initial load)
  • Minimum Load Amount: $10.00
  • Maximum Load Amount: $500.00
  • Card Expiration: 7 years
  • Card Limitations:
    *VISA purchases only
    *Signature purchases only
    *No ATM or Cash Advances
    *No Gas Pay-At-Pump, Hotel, or Car Rental
    *Restaurant Authorizations increase transaction amount by 20%

 

VISA Travel Money Card

This is a great option for those who don’t have a checking account, aren’t of age, don’t want to use their normal account online, or just prefer a reloadable card.

  • One-time Activation Fee: $6.00
  • Inactivity (11 months) Fee: $5.00 per month
  • Foreign Currency Exchange Fee: 2%
  • Denied Transaction Fee: $0.50
  • Domestic ATM Fee: $1.50
  • International ATM Fee: $2.00
  • Replacement Card: $6.00
  • Maximum Loads: Unlimited
  • Reload Fee: $2.00
  • Minimum Load Amount: $100
  • Maximum Load Amount: $5,000
  • Card Expiration: 2 years
  • Card Limitations:
    *VISA purchases only
    *Signature, POS, and PIN
    *No ATM or Cash Advances (Co-Op no fee)
    *Hotel and Car Rental
    *Restaurant Authorizations increase transaction amount by 20%

 

Instant Issue Debit Cards

These are issued by Member Service Representatives to give the member access to their funds sooner than waiting on their regular debit card to come in the mail.

  • Fees: none
  • Requirements:
    *must have a checking account
    *must have money in account
    *must be 18 years old or older
    *Card will be activated the NEXT day
    *Want more control over the accessibility of your cards? Check out Manage My Cards