ATM/DEBIT CARDS

To report a lost or stolen debit card, please call 1-800-528-2273.

For debit card activation call 1-877-558-3042. In order to activate your new debit card call from you primary phone number on your account.

What is a debit hold?

  • Subtract funds from your account after a purchase for a more up-to-date balance

  • Placeholder while the actual transaction processes

  • Only apply to purchases that use a signature instead of a PIN

  • Most clear within 24 hours

  • Merchants apply the hold to your account, not the credit union

  • Self Memorial Hospital FCU can not removed a hold from an account

FAQS

  • How long will it take for me to receive my debit card?

It normally takes 7–10 business days for your card to be delivered.

  • If I travel out of state will my Debit/Credit card work?

Some transactions will work, but we suggest coming into the branch and complete a travel notification form. All you need to do is give us the State or Country you are visiting and the days you will be there, and we will put the advisory on your Debit/Credit card. 

  • Why doesn’t my card work when I do an online order?

There may be several reasons why your debit card is not working for an online purchase. Depending on where the online merchant is located, it could be denied due to our international block on all Debit Card purchases. The merchant could also be a high-risk merchant and that could cause the transaction to be denied. If you ship an online order to an address other than your billing address, this may also cause a decline.

  • What are the limits on my Debit Card?

The limit for most accounts is $500 at the ATM and $1,500 for Point of Sale (any purchase where the card is physically used). 

  • If I dispute a transaction on my card, when will I receive the refund?

The Dispute process for Debit and Credit cards normally take anywhere from 30 to 90 days. There are many variables to when you will receive your credit, but it is always considered a ‘Provisional’ credit until the case is officially closed. For Fraudulent transactions you normally receive a provisional credit within 10 business days. For merchant disputes, it can take up to 30 days.