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ATM/Debit/Credit Cards

ATM Cards

For those wanting simple remote access to funds on deposit with the Credit Union, we offer an ATM card. This card does not have purchase capabilities and can only be used for cash withdrawals. 

Our ATM card participates in the Plus, Pulse, Interlink, Star, Co-op and Allpoint ATM networks, and as a consequence allows cash access at most ATMs nationwide and internationally.  

When traveling outside of the Delta County area, look for any of the nearly 80,000 ATMs participating in the Co-op and Allpoint networks.  ATMs participating in these networks will waive surcharge fees for DCFCU members!  To search surcharge-free ATM locations, while on the go, use the "Fee-Free ATM Locator" feature on our Mobile Banking app. 

Daily cash access limits are $300.

To report an ATM card lost or stolen, contact the Credit Union or call 1-800-500-1044.

VISA Debit Cards

Delta County Federal Credit Union offers Visa Debit Cards to members holding Share Draft or Money Market Checking accounts.

Access. Visa Debit Cards are welcomed in 200 countries worldwide and can be presented for payment at over 36 million merchants (traditional and on-line) and for cash access at 2.3 million ATMs.

Difference Between Debit Cards & Credit Cards. Debit Cards differ from credit cards not so much in function but in the source of funding. While Credit Cards extend credit to the user, Debit Cards are linked to a Share Draft/Checking account and allow access only to funds on deposit with the Credit Union.

Ordering & Receiving Your Card. In order to receive a card connected your Credit Union account, simply request a card while opening your account, or request your MSR (teller) to have one issued to you. Cards typically take 7-10 days to arrive with the PIN code arriving under separate cover a couple of days following the card – separate delivery is a security precaution. Be advised that both the card and PIN will arrive in non-descript envelopes not referencing Delta County Federal Credit Union as the sender, so be aware that these mailers may appear to be junk mail, but they are not.

Activating Your Card. Once your card and PIN are received you may activate your card either by conducting a PIN-based purchase or by visiting an ATM and initiating a cash withdrawal or a balance inquiry.

PIN. Your PIN will be set randomly by the card issuer and cannot be changed. If you forget your PIN or did not receive the mailer, contact an MSR and a new PIN mailer will be sent to your address. There is a fee for PIN replacement.

Card Replacement. If you lose your card or it becomes cracked or the magnetic stripe malfunctions, contact the Credit Union and we will issue you a new card. A small fee may apply. For expiring cards, the member should receive a replacement not later than the middle of the expiration month. Expiring cards will remain usable until the last day of the expiration month, or until the replacement card is activated – whichever happens first.

Using Your Card at Point of Sale. For in-person purchases your card offers you two methods by which to complete your transaction – via PIN or via signature. If the merchant is set up with PIN purchase functionality, you will typically be prompted to enter your PIN (this is normally a less expensive option for the merchant). If you are asked for your PIN but prefer to conduct a signature purchase, simply hit 'cancel' and the transaction will route through the signature purchase network (Visa) instead of through the PIN purchase network. Merchants that do not offer PIN purchase will automatically route your purchase transaction through the signature purchase network.

Using a Chip-Based (EMV) Card. The Credit Union began issuing EMV chip cards (also known as Smart Cards), in July of 2017.  Members who still have a non-EMV chip card will receive an EMV chip card upon the expiration of their current card.  EMV chip-based cards provide additional protections against counterfeiting and card fraud. Card terminals which accept chip cards will transmit not the actual card number during the transaction, but instead, a one-time-use encrypted code in place of the card number. Therefore, if the transaction were to be intercepted, no data of value would be available to thieves. EMV chip cards can be used as either "Chip and PIN" or "Chip and Signature", depending on the capability of the merchant's card terminal. Because not all merchants will convert to chip-based terminals immediately, chip cards will continue to be issued with a magnetic stripe so that our cards can be used at merchant locations which have not yet upgraded to the new technology. For more information on EMV Chip Cards, please click here

Transaction Limits. Daily ATM cash withdrawal limits are $300 per day, and $2,500 per day for purchase transactions. Note that many merchants offering PIN purchase capability allow limited cash back at the point-of-sale. Cash back at the point-of-sale typically comes without any access fees.

If Traveling. If you have plans of traveling domestically or abroad, please notify the Credit Union in advance. We will, in turn, update your account with that information so that your card is not declined by our automated fraud monitoring system, due to unexpected activity. Contacting the Credit Union prior to international travel is especially imperative. Please note that international purchase or cash withdrawal transactions include a 1% currency conversion fee which is levied by Visa and added to the amount of your transaction. This fee is considerably lower than standard currency conversion fees charged by conversion agents in foreign countries. Chip-based cards are now the norm in most of the world outside of the United States, and in some cases foreign merchants may be unable to accept magnetic stripe-only cards. If you will be traveling abroad and have only a magnetic stripe debit card in your wallet, you may wish to contact the Credit Union in advance so that a chip-based card can be issued in advance of your intended travel date, in an effort to bypass any acceptance issues.  

Consumer Protections & Protest Rights. Consumer protections vary based on purchase type, with signature purchase transactions carrying consumer protections that exceed those mandated by Banking Regulation E. Regulation E, which applies to PIN-based transactions, limits consumer liability to $50 for unauthorized transactions if the issue is reported promptly. Signature transactions, on the other hand, feature Visa's "Zero Liability" protection, meaning that any unauthorized transaction will erase consumer liability with the exception of gross negligence, so long as the fraud is reported within 60 days of the disputed item appearing on a periodic statement. For details on Regulation E protections, click here.

Should a member question the legitimacy of a purchase or cash withdrawal transaction posting to their account the member should first attempt to resolve the issue with the merchant in question, and if this is not possible, the member should contact the Credit Union to initiate a dispute. In order to initiate a dispute the member must provide transaction details such as transaction amount and date of transaction in question, and be willing to sign an affidavit attesting to why the item is being disputed. The Credit Union will have five business days to determine whether the dispute has merit, and if it is determined to have merit based on the information provided, the member will receive 'provisional credit' during the course of the dispute. If member prevails in the dispute then the member will retain provisional credit, and if not, the Credit Union may withdraw the funds from the member's account.

Fraud Protections.  Criminals are very active in their attempts to procure card numbers, expiration dates and CV codes (3 digit code of the back of your card) from unsuspecting consumers.  Once such information is acquired, actual card fraud is often the result, creating the potential for consumer liability.   While Credit Unions and Banks make great efforts to help identify fraud as it is happening (by maintaining real-time fraud scoring programs), it is ultimately the consumer's responsibility to handle their cards and card data prudently.  Some tips to help consumers avoid becoming a victim of card fraud include...

  • Never reveal your card PIN to anyone.  It is very difficult to successfully contest a purchase or cash withdrawal transaction conducted via PIN.  
  • Never provide card information (number, expiration date or CV code) to any individual who contacts you by phone, email or any other medium not initiated by you.  Only provide card information if you are the initiator of the transaction and have contacted the individual or company you are providing the information to - and only if you are comfortable that the entity is reputable and maintains strong card security protocols.
  • Never allow your card to leave your sight (such as in a restaurant).  Criminals can use small hand held "skimmer" devices to copy card information from the magnetic stripe of your card.  This data can then be used to create counterfeit cards.
  • Check your credit report periodically.  The three credit reporting agencies (Experian, TransUnion, and Equifax) are required to provide one free credit report annually to every consumer who requests one. Consumers may "stagger" their requests so that one free report is available every four months (one idea is to set calendar reminders on your phone).  A regular review of your credit report can help a consumer identify any irregularities, such as credit accounts opened in the consumer's name.  Credit reports can be requested at AnnualCreditReport.com
  • Sign up for Visa Purchase Alerts.  This free service allows the cardholder to register any Visa-branded debit or credit card (issued by any participating financial institution) to receive real-time transaction alerts based on specifications set by the cardholder.  For instance, a cardholder might request to be notified of any purchases over a set dollar amount, or for any online purchases, or for purchases made internationally. This is an excellent way to assure that fraud is caught immediately.  To sign up for Visa Purchase Alerts, click here.  And for step-by-step instructions, including screen shots, click here.

To report a Visa Debit Card lost or Stolen, please contact the Credit Union or call: 1-800-500-1044.


Visa Credit Cards

Delta County Federal Credit Union offers its adult members the opportunity to carry a low cost Visa-branded credit card. We offer two programs. Our basic program offers an “unsecured” credit card, but we also offer a “secured” credit card. 

Secured Visa credit cards differ from unsecured credit cards in that the member is essentially borrowing money against their funds on deposit with the Credit Union. The Credit Union puts a “hold” on those funds equal to the credit limit requested. Since this arrangement does away with risk to the credit union, we do not need to run a credit report and, consequently, we waive the application fee. This is a good option for the member who needs to build a credit history. 

Here are a few of the details of our Visa Credit Card…

  • $15 application fee (unsecured cards only).
  • No annual fee.
  • 14.25% Annual Percentage Rate (APR).
  • Card limits of between $250 - $3,000, depending on credit worthiness.
  • Click here to learn more

In order to apply for a card, simply visit with one of our lending staff and complete the card application. Our lending staff will run a credit report and consider other relevant factors in determining your credit worthiness. Once a determination is made, a credit limit will be assigned and a card ordered. Your card should arrive within 7-10 business days of the order date. Those under the age of 21 may obtain a card, but only in cases where the account is joint with an adult 21 or older.

The Credit Union is now issuing all credit cards with EMV chips - such cards are also referred to as Smart Cards. Smart Cards help reduce the incidence of card fraud related to counterfeit cards.  If you have a card issued prior to 2017 without an EMV chip, your replacement card will be issued with a chip upon expiration.  Those planning a trip abroad, and not yet carrying a chip-based card would be advised to ask for a card replacement incorporating that technology to help reduce the possibility of acceptance barriers in certain foreign countries – most of which have already transitioned to chip technology.

For information on EMV Chip Cards please click here.

To report a Visa Credit Card lost or stolen, please contact the credit union or call: 1-800-991-4961.

Visa Credit Card Chip Technology

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