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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 at ATMs. 

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

When traveling outside of the Delta County area, look for any of the nearly 30,000 ATMs participating in the Co-op network.  ATMs participating in this network 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, or by clicking the Co-op Network logo on the "ATM" page on this website. 

Daily cash access limit is $500.

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 with EMV chips 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 will need to activate your card.  To activate your card you have several activation options.  1) You an make a PIN-based purchase.  2) You may make a cash withdrawal or balance inquiry request at an ATM.  3) You may call our Card Activation and PIN Change phone number at 1-866-633-5293.  In order to use this automated service you must be calling from a phone number on record with the Credit Union. You will be asked to enter the last four digits of the card number, the four digit expiration date, and the last four digits of the social security number associated with the account.

PIN.  A random four-digit personal identification number (PIN) will be assigned by the card issuer.  Your PIN mailer should be received a couple days following your card (for security reasons).  If you would like to customize your PIN you can easily do so by calling our automated Card Activation and PIN Change phone number at 1-866-633-5293.  In order to use this automated service you must be calling from a phone number on record with the Credit Union. You will be asked to enter the last four digits of the card number, the four digit expiration date, the last four digits of the social security number associated with the account, as well as the current PIN number.  This system cannot be used if you do not know your current PIN number. 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 if it becomes cracked or the magnetic stripe or chip malfunctions, contact the Credit Union and we will issue you a new card. A replacement card 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' (or in some cases 'enter') 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 September of 2017.  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 $500 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 out-of-state or abroad, please notify the Credit Union in advance. We will, in turn, update your account with that information so that your card will not be 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.  (Many banks upcharge this fee, so when traveling you might check with your other card issuing institutions to see what their fee is.)  Our currency conversion fee is considerably lower than standard currency conversion fees charged by agents in foreign countries. Chip-based cards are now the norm in most countries.   

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

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 members over 21 years of age, 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 reduces the 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 a 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 purchase limits of between $250 - $3,000, depending on credit worthiness.
  • $500 in-person cash advance limit; $250 ATM cash advance limit.
  • 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 years of age or older.

All Credit Union-issued Credit Cards come with an EMV chip for security.  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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