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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.

Not a member? Not a problem. With 140 plus paths to membership, joining is simple and easy. Learn About Eligibility or Join Now!

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 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
  • Smart Rewards points expire after 36 Months

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.

Members' Voice Testimonials

I feel my money is safe, the service has always been top-notch and we've found it easy to use even though I probably haven't set foot in one of the branches in five years. Joining the credit union is one of the smartest things I've done.

USSFCU has been my first banking option for over 40 years - no fee atms - my grands are now members of the credit union and value their credit union membership also.

USSFCU staff continues to be the best and always has my best interest.

The USSFCU has been an important part of my financial situation and has provided outstanding service.

Every experience with USSFCU has been extremely good right from the start. Our main account with USSFCU is a HELOC with zero over prime rate, which is almost unheard of. The customer service has always been excellent. And when we asked for a temporary payment break to navigate and reorient professionally due to the sudden and temporary financial im...

I've always been treated very professionally and the person caring for my financial needs always listened to me and helped me in a way that was not stressful and beneficial to me.

USSFCU has never failed us in its' role of being the best bank ever. All the personnel are professional, friendly, efficient and have more than earned our trust, appreciation and admiration. We admire the way they are constantly evaluating, adapting and growing their services for the benefit of its' members. We are very grateful to have had this im...

Magnificent people, great help during the hard times.

I've been banking here for over 20 years it's the best customer service. Credit card interest rates don't gouge at USSFCU. It's a wonderful place to bank.

Very personable, solution based and takes an interest in your situation.

Unfailing service by dedicated staff. I feel that USSFCU has my back. Staff has gone to bat for me whenever needed. I'm not aware on any mistake or inconvenience in my 30 years of membership. Excellent long term leadership, continuity and service by board.

Easy to become a member and superb customer support. I dealt with two different USSFCU representatives and they were fantastic. I was able to reach them immediately or if they were tied up they contacted me as soon as they became available. They helped me open an IRA and answered any and all questions with great attitudes and professionalism. They ...

The credit union provides relatively good services and the security updates to the system are noticeable.

It took a matter of minutes to open the account and purchase a CD. The credit union that I have done business with for about 40 years took more than a week to close a joint account and transfer the funds to a new account when my husband died.

Outstanding online and mobile banking services. Professional, Courteous, knowledgeable responsive staff!

I am very satisfied to belong to this institution and whenever I need support it is good to know that I count on you.

This credit union is the best, I love the customer service and you can?t beat the interest rates. And I?m happy to be a member of this great credit union.

Great staff helping all the time. Just a very well run company always good service.

Always good service, especially when I telephone in. I have another credit union where, every time I call in, I have to wait a considerable amount of time before reaching a representative. When I worked on the Hill, it always was a pleasurable experience coming to the credit union office, whether to make a deposit or apply for a loan.

Customer service via the phone is very helpful and easy to accomplish requests.

Care about their clients and concerned about making sure they have the best rates and packages.

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