A Community Resource VISA® Debit Card offers the ultimate in convenience!
Community Resource members who open a checking account can also apply for a credit union VISA® Debit Card. This card can be used for cash access at ATM machines (just like an ATM card) and is a convenient alternative to using a checkbook. Your free Visa® Debit Card is the perfect way to pay for almost everything, every day – online and in stores.
Your Visa Debit Card is also extremely versatile; it can be used at over 100 local ATMs including Walgreens, CVS and Speedway. Our entire network has 85,000 free free ATMs nationwide.
Additional benefits include:
- Instant access card – if you lose your card, drop by a branch and get it replaced
- Remote control access – turn your card on or off in case you misplace it or suspect fraud.
- No annual fees
- No interest charges
- EMV chip for added security
- Accepted worldwide
The Difference Between “Debit or Credit”
When asked this question, the merchant is simply asking how you would like the transaction processed. No matter what your response, the transaction will be deducted from your checking account. Some merchants only have one way to process transactions and, therefore, do not give you this choice.
What is the Difference?
Debit – If you choose this option, the transaction is processed through the ATM network and you may be required to enter your personal identification number (PIN).
Credit – When you use this option, the transaction is processed through the VISA® network. Although, there is little difference, this option actually helps your credit union and other members because VISA® transactions are more efficient and less costly than ATM transactions.
Sometimes, merchants do not offer the consumer the option of Debit or Credit. No worries. The transaction will still process fine!
So, the next time you are asked, help your credit union and say “CREDIT”!!
To activate your card call 518.783.2211 or 1.800.567.3451.
IMPORTANT PHONE NUMBERS
During business hours 518-783-2211. After hours call 1-800-554-8969.
Lost Personal Identification Number (PIN):
Fraud Department Return Call Phone Number:
If we suspect your card has been fraudulently used, we will call you, The number we will call from is 866-750-9107.
If you are traveling, please call us at 518-783-2211 so we may document your account.