Debit Card FAQs

Once you have received your debit card, activate or make a PIN change by phone by calling (800) 631-3197, International (888) 886-0083.

A debit card is connected directly to your checking account. Any purchase you make comes from the funds in your checking account. A credit card is considered a loan that you must pay back with interest. Please visit MyCreditUnion.gov for more detailed information on credit, debit, and pre-paid cards.

Debit card transactions can be completed in a number of ways: sign your receipt; place an order online or by phone or mail; enter a personal identification number (PIN); or simply swipe your card at select merchants that do not require your signature.

Many merchants do not require a PIN or signature for Debit card transactions for small purchase amounts. This helps speed up checkout. Similarly when you shop online or by phone and can't sign for your purchase, you still receive all the benefits your Debit card provides when you select Visa as your payment option.

When you run a debit transaction, you type in your PIN, and the funds are immediately deducted from your account.

When you run a credit transaction, you sign for your transaction, and the transaction is processed through the Visa network. The funds may or may not be immediately deducted from your account.

You can use your debit card anywhere worldwide Visa is accepted.

Yes, using your debit card is a fast and easy way to pay your bills. You save time and avoid the hassle of writing checks and paying late fees or missing payments. You can pay for wireless phone service, cable/satellite TV and insurance, and even set up recurring payments. Plus, you get all the benefits Visa Debit card provides, including greater convenience, enhanced security, and easier record keeping.

As a member of LOYALTY Credit Union, you will have access to more than 25 ATM machines in the Pensacola area, and as a member of the Co-Op and Allpoint networks, we offer access to thousands more surcharge-free and deposit-taking ATMs nationwide. See our complete list of surcharge-free ATMs.

Cents-to-Savings is a convenient and easy way to increase your savings automatically by making purchases with your debit card. If your transaction required change, LOYALTY CU will round up to the next whole dollar and deposit the rest of the change in the savings account of your choice. For more information please visit our Cents-to-Savings page.

If a transaction using your debit card brings your checking account into the negative, LOYALTY CU will pay the remainder of the purchase, but you will be charged a $30 processing fee for every transaction made while the account is negative. Learn more about overdraft coverage.

Visa's Zero Liability PolicyExternal Website, which protects you from unauthorized charges. Any funds taken from your account due to fraudulent use will be returned to you.

• Continuous fraud monitoring to detect suspicious activity on your debit card.

• Access to Identity Theft Assistance to help you recover your identity and prevent further problems.

• A 3-digit security code to verify your identity for Internet and phone purchases.

If you notice fraudulent activity on your Debit card, visit our Contact Us page or call (850) 474-0970 or (800) 375- 2235 during business hours. Nights, weekends, and holidays call (866) 820-4986 or (727) 572-8822 internationally. It is important to continually monitor your monthly statement to identify any unauthorized transactions.

If you have misplaced or lost your debit card, visit our Contact Us page or call (850) 474-0970 or (800) 375-2235 during business hours. Nights, weekends, and holidays call (866) 820-4986, or (727) 572-8822 internationally. LOYALTY CU will gladly order you a new card. A $10 processing fee may be required.