Prepaid VISA Debit Card

MCU now offers a reloadable prepaid debit card. This card offers all the convenience of a debit card without the risk of being overdrawn and overdraft fees. Members load it with the amount of money they want and spend only the amount they have. To purchase a prepaid Visa Debit Card visit one of MCU’s branch locations or call 1-800-951-8000.

  • Track spending and add funds with online management tool CUMONEY.
  • Make purchases anywhere VISA debit cards are accepted.
  • Use to make withdrawals at ATMs worldwide.
  • Reload debit card 24/7 via CUMONEY.

Prepaid VISA Cards General Information

  • The Prepaid VISA card can be loaded in any amount from $10-$5,000.
  • Your card will be mailed to you within 7 to 10 business days of the purchase. Call the toll free number listed on the card to activate where you’ll be prompted to change your PIN, which is originally the last 4 digits of the home phone number listed at the time of purchase.
  • Your name and Members CU’s  logo will be on the card.
  • You may select credit or debit when using the card. For debit transactions the you can make up to 25 transactions per day with a $1,500 daily maximum. For credit transactions you can make 25 transactions per day with a daily maximum of $5,000
  • Receive cash back when using the card as a debit to make a purchase.
  • The card may be used at ATMs to make cash withdrawals, up to $300 per day. When making a cash withdrawal choose the credit card option. A $1.50 is charged for each withdrawal.
  • Members may check their balance via the website or by calling a toll free number 877-850-9650. There are 10 free balance checks by phone per month. Each call after that will be assessed a 50 cent fee. The number of times you can check your balance for free on the website is unlimited.

Fees Associated with the Prepaid VISA Card

  • $2.50 fee for the initial purchase of the card.
  • 50 cent fee charged by VISA each time the card is reloaded.
  • $1.75 per monthly maintenance fee charged by VISA.
  • $1.50 for each ATM withdrawal charged by VISA.
  • VISA charges a $3 Inactivity Fee if the card had not been used for 90 consecutive days. This fee will be charged monthly until activity resumes.
  • $5 fee for a lost or stolen card replacement fee charged by VISA.