Visa Debit Card

VISA Debit Card:
Make Everyday Purchasing Quick and Easy

VISA Logo The VISA Debit Card makes everyday purchasing quick and easy, because it works like a check, and it’s safer than carrying cash. Even better, there’s no need to show ID, or wait for approval—so you’re in and out of stores in no time. You can use the VISA Debit Card wherever VISA is accepted. Visa debit cards have unsurpassed acceptance in more than 150 countries worldwide, giving you purchasing power whether you are at home or traveling.

The VISA Debit Card also acts like an ATM Card. You can use it at 400,000 ATMs in the VISA/PLUS Global ATM Network. The VISA Debit Card is so easy to use, why carry anything else?

To qualify for a debit card, you must be 17 or older and have a checking account at CCU. All applications are subject to credit approval.

Contact our Member Service Department for an application or more information at .

Debit Card: Frequently Asked Questions

Q: Why isn’t my debit card being approved for transactions?

A: Some possible reasons could be that you have insufficient funds, you have a loan payment that is past due, or you have exceeded your spending limit for the day.


Q: I need to purchase an item online/over the phone and the amount is greater than $1000.00, what do I do?

A: Contact Member Services at 423.396.2101 during business hours in order to raise your “not present” debit limit temporarily.


Q: What are the extra 3 digits found on the signature strip on the back of the card?

A: Those digits allow online access with your debit card as well as protection to prevent fraudulent use of your account.


Q: My debit card is going to expire next month, do I have to reorder a new one?

A: No, a new card will be sent before the end of the expiration month, you will need to re-activate the card by calling the 1-800 number.


Q: How much does it cost to have a debit card?

A: There is a $1 per month per account fee. Student, Premier and Share Draft Plus accounts are exempt from the monthly fee.


Q: My card is cracking, can I get a new one?

A: Yes, there is a $5 replacement fee.


Q: My card was lost/stolen, what do I do?

A: Call 1-800-472-3272.


Q: Someone is making transactions on my card without my authorization, what do I do?

A: Report the card lost/stolen first, then contact CCU’s Debit Card Department at (423) 396-2101 to discuss fraudulent activity and the actions that will be taken.


Q: What do I do if I forgot my PIN?

A: Bring in your debit card and a form of identification (i.e. Driver’s License) during normal business hours (Monday – Friday). We can mail you a PIN reminder.


Q: Can I change my PIN?

A: You are now able to change your PIN at the ATM machine.

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