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 cumoney.com 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.