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An ATM card can be used at ATM machines and allows you to access checking or savings accounts. If the card is linked to a checking account, it can also be used to make purchases at merchants that accept debit (PIN-based) transactions.
A Visa debit card offers the convenience of a credit card, but simply deducts the amount from your checking account which means you never pay finance charges. It's safer than cash and can be used at any retailer who accepts Visa. Our debit card also doubles as your ATM card allowing you to access cash at thousands of ATMs.
A unique PIN will be mailed to you after you receive your ATM or debit card. If you forget or would like to reset your PIN, you can visit one of our branches and select a PIN of your choice or, if you are not near a branch, a PIN reminder can be mailed to you. For more information, please call a member service representative at (888) 858-6878.
ATM deposits made at Pacific Service CU ATMs are typically held two business days. If the deposit is made at a non-Pacific Service CU ATM, we may extend the hold for an additional three to seven business days depending on the type of check deposited. If you need the funds to be released sooner, call a member service representative at (888) 858-6878. Read our complete Funds Availability Policy.
For urgent needs, please fax a copy of the check you are depositing to (925) 609-5165, Attn: Deposit Hold. We will review your deposit and try to release all or a portion of the funds on hold. Please be sure to include a callback number on the fax.
Yes. Your debit card and credit card are accepted internationally. If your ATM card is linked to a checking account, it will also be accepted internationally. We recommend that you notify the credit union if you plan on using your card outside of the country. For security reasons, we do not allow card transactions in Azerbaijan, Balkans, Belarus, Burma (Myanmar), Cote d’Ivoire (Ivory Coast), Cuba, Congo, Iran, Iraq, Lebanon, Liberia, Libya, Mali, North Korea, Russia, Romania, Somalia, Sudan, Syria, Yemen, Zimbabwe or countries in which U.S. laws prohibit activity.
Yes. If the transaction is processed in foreign currency and must be converted to US dollars, there is a fee of 1% of the purchase. If the transaction is processed in US currency, the fee is 0.80% of the purchase. This fee is known as an International Service Assessment (ISA) fee and is assessed by Visa.
The credit union does not charge a different interest rate or any additional fees for cash advances. However, cash advances do not have a grace period and begin to accrue finance charges from the date of posting.
Yes. We highly encourage you to notify the credit union prior to traveling or making large purchases. We will flag your account to ensure that transactions outside of your normal spending pattern will be temporarily approved. For more information, please call a member service representative at (888) 858-6878.
Yes. We use state of the art security to identify purchases outside of your normal spending pattern. If a suspicious transaction is detected, the transaction may be denied until we can contact you to verify the transaction. If you are contacted by a fraud specialist, you will be asked the last four digits of your social security number. You should not be asked nor should you supply any other personal information.
Additionally, if VISA, USA notifies us that your ATM, debit or credit card account number was obtained by unauthorized sources and your card or personal information may have been compromised, we may take immediate action. Meaning, we may block your card(s) and reissue you a new card(s) and PIN to protect you from potential fraud. For more information, please call a member service representative at (888) 858-6878.
If you believe you have a fraudulent transaction on your account or have a grievance with a merchant, please complete and return a Notification of Disputed Transaction.
Yes. To allow someone the ability to use your Visa credit card, complete and return a Request for Authorized Visa Card User form
Yes. The maximum daily ATM withdrawal from an ATM is $510.
Yes. The maximum daily limit on debit card purchases is $2,500.
Yes. The maximum daily purchase limit on credit cards is 15 transactions or $10,000.
Yes. The maximum daily cash advance limit in credit cards is $1,500.
During business hours, please call a member service representative at (888) 858-6878. We will block and reissue your card. Our business hours are Monday through Friday 8 a.m. to 5 p.m. On evenings and weekends, please call our hotline at (800) 543-5073.
During business hours, please call a member service representative at (888) 858-6878. We will block and reissue your card. Our business hours are Monday through Friday 8 a.m. to 5 p.m. On evenings and weekends, please call our hotline at (800) 754-4128.