Why debit beats cash, checks, and credit!
Accounting for nearly a third of all consumer transactions in the US, debit cards are used more than cash, checks, and credit cards. That shouldn't come as a surprise, though. While they've been popular for decades, debit cards have advanced with technology to make transactions faster, more secure, and easier to track.
As a smart choice for everyone's wallet, Visa® debit cards are available for new and existing checking accounts.
Plus! For a limited time, when you bundle select products and link your debit card with a new checking account at Visions, you could earn cash bonuses that total up to $200.
Are you using yours for small purchases and everyday spending? You should be – here's why.
CONVENIENCE
You can’t beat the convenience of debit cards. Paying with checks or credit, you’ll need to wait for pending transactions to clear your account, making it hard to track your actual remaining balance. When you run your debit card and select “debit” at checkout, your payment can clear within seconds of swiping, tapping, or chipping – giving you an accurate balance when you check your account. Before you pay, you can even check your account balance on our Visions FCU Mobile app. That way, you’ll know you have enough funds to cover your transaction without the fear of overdrawing your account.
Plus, when you pay with debit, you don’t need to handle loose change or unsanitary bills from busy cash registers, and you don’t need to interrupt your day by stopping to make cash withdrawals at an ATM. Even better, you can load your debit card into your favorite mobile wallet. It gives you the fastest and most secure way to pay, and getting started is easy. Learn more about mobile payments.
SECURITY
Our debit cards come with Visa’s Zero Liability Protection.* Simply put, you’re not responsible for unauthorized charges. You're protected if your card is lost, stolen, or fraudulently used online or offline. That means you can shop worry-free, with peace of mind that, if you notice any unauthorized charges on your statement or in digital banking, you can report it ASAP for a quick resolution.
Speaking of digital banking, you can utilize Card Controls to keep your Visions cards and accounts secure. If you’re planning a vacation, add travel notes. If you can’t locate your debit card or think it may be stolen, quickly and conveniently disable the card to prevent unauthorized transactions. If you need a new card, request a replacement. In digital banking under Card Services, Card Controls puts the power at your fingertips – power that you won’t have with lost cash or stolen checks. Learn more about digital banking.
SAVINGS
We’ve already highlighted how you can save plenty of time between checkout and ATM visits, but there’s more. You can save money, too. If you do need to access an ATM, you can use your debit card free of charge at Visions ATMs and any ATM within our Co-Op Credit Union network – that’s over 30,000 ATMs across all 50 states!
Even better, you have no limits on how many times you can use your Visions debit card. Other financial institutions may limit your number of debit card transactions per month or charge you fees for additional usage. Not us, though. Whether you swipe your card five times this month or 25 times, we’ll never charge you a processing fee.
PLUS
Ask us about:
- Monitoring your account history in digital banking
- Peace of mind with Visa Purchase Alerts
- Instant Issue replacement cards in branch
- Easily switching subscriptions with CardSwap
…and more!
And did you know? When you select our Americana debit card design, we'll donate $5 to a veteran-support organization. Stop by your local branch or give us a call at 800.242.2120 to get started.
Start using yours today!
With integrated tools in digital banking, support at your local branch, and our partnership with Visa, your debit card is a versatile and secure solution for daily expenses.
Don't have a debit card yet? Ask a representative! We offer a complimentary debit card with Flex Checking or Flex Checking Plus, and can issue new cards at most of our branch locations.
*Visa's Zero Liability policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa. Cardholders must use care in protecting their card and notify Visions immediately of any unauthorized use. Contact Visions for more detail.
