Visa Debit Cards

In partnership with Visa®, USSFCU offers its members a safe, easy-to-use, and free debit card that features all the standard debit card benefits as well as the opportunity to earn valuable rewards!

USSFCU’s Visa debit cards, which can be used at ATMs around the world, offer greater security than cash and are more widely accepted than checks.

In addition, USSFCU Visa debit cards can be used as a credit card, enabling USSFCU members to earn valuable rewards points on their purchases wherever Visa is accepted. This combination of features makes USSFCU’s Visa debit card an extremely versatile account to have access to your money.

Details

USSFCU’s Visa debit cards provide:

  • A fast, free, and easy-to-use payment option
  • A safer alternative to cash
  • A better alternative to checks
  • 24/7 access to funds via 100,000 surcharge-free ATMs worldwide through the Credit Union 24 network*
  • The opportunity to earn valuable rewards wherever Visa is accepted

*USSFCU fees may apply. Please check the fee schedule for additional information.

Smart Rewards — Earning Rewards With Your Visa Debit Card

Smart Rewards is the name of the program that enables USSFCU members to earn redeemable points with their USSFCU Visa debit cards. It’s the same program that rewards points to USSFCU members who hold USSFCU Visa Smart Rewards credit cards.

To earn points through Smart Rewards with USSFCU Visa debit cards, members simply choose the “credit option” at the point of sale and sign a receipt for their purchase. For every four dollars spent via this “credit option,” USSFCU Visa debit card holders earn a point through the Smart Rewards program.

Smart Rewards points are redeemable for a wide range of travel rewards, gift certificates, and cash!  And one of the Smart Rewards program’s most popular features is that the rewards it offers aren’t tied to any specific airline, hotel chain, or company’s merchandise. Below are a few additional points regarding Smart Rewards:

  • Smart Rewards can be earned on purchases made at any retailer or vendor that accepts Visa
  • Smart Rewards requires no sign-up or maintenance fees
  • Smart Rewards points accrue automatically without requiring any initiation forms or processes
  • Smart Rewards points are earned on card purchases where the USSFCU Member has provided a signature — and they are not earned when purchases are made by entering a PIN
  • Smart Rewards for USSFCU Visa debit card holders are available only for USSFCU debit cards tied to a USSFCU checking account
  • Smart Rewards points can only be earned on purchases, and cannot be earned on cash advances or cash transfers

Accessing Smart Rewards and Redeeming Your Points

To access your points and/or create an account, log on to Smart Rewards 24/7 online OR call the redemption center at 877.909.1450, Monday through Friday from 6 a.m. to 6 p.m. Pacific Time.

Verified By Visa — Safeguarding Your USSFCU Cards Online

To provide USSFCU members with an added sense of security when shopping online, USSFCU and Visa have developed the “Verified By Visa” online password protection service.

With Verified By Visa you can create a unique password to verify your identity when your USSFCU Visa credit or debit cards are being used to make online purchases with thousands of participating retailers.

Verified By Visa is both free and easy to use — and provides an extra level of security for your online purchases. Visit Verified By Visa to learn more or to sign up today!

smsGuardian — Text Alert Fraud Prevention

To further safeguard member debit and credit cards from potential fraud, USSFCU is proud to offer its members the smsGuardian text alert system free of charge. smsGuardian provides USSFCU members with an added sense of security by sending texts whenever their USSFCU cards are involved in transactions often associated with fraudulent activity.

smsGuardian is easy to use. Whenever members receive smsGuardian texts about transactions they believe to be fraudulent, members need only reply to the texts to stop the transactions and freeze their accounts. Conversely, when members receive smsGuardian texts about transactions they know are legitimate, members can simply ignore the texts. 

How It Works

Every smsGuardian text notification a USSFCU member receives will contain the following information: the last four digits of the member’s card; the name of the merchant; and the amount of the transaction.

But that doesn’t mean smsGuardian texts members about every transaction! On the contrary, smsGuardian focuses specifically on the types of transactions that often suggest the possibility of fraudulent activity.

For USSFCU Visa debit card holders enrolled in smsGuardian, this means they will receive smsGuardian texts regarding the following transactions:

  • International transactions
  • Fuel transactions
  • Authorizations of greater than $200
  • Purchases made without a card present       

USSFCU members enrolled in smsGuardian for their USSFCU Visa credit cards will receive smsGuardian texts for the following types of transactions:

  • International transactions
  • Authorizations greater than $500
  • Purchases made without a card present

It’s easy to sign up for smsGuardian — and it’s just as easy to stop receiving smsGuardian texts if you find it’s not for you! Simply reply “STOP” to any smsGuardian message you receive.

Sign up today and give smsGuardian a shot!