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Debit and Credit Cards

CGFCU VISA® Debit Card

  • Use like a check, but without the hassle.
  • Access cash at any ATM.
  • Charges are automatically deducted from your account.
  • Accepted everywhere Visa® is accepted. Apply for your Visa® Debit Card today!
  • To apply, contact the credit union for a copy of our member application or Click Here to access the Debit Card Application.
  • Report card lost/stolen 1-800-682-6075 or www.reportmycards.com
  • Activate card 1-800-411-6390 or www.activatemycards.com
  • To select PIN 1-877-746-6746

Debit Card Holders – Important Information!

CGFCU is transitioning to the EMV Chip Visa®, a safer and smarter debit card that offers a new layer of protection against fraud. You should receive your new card(s) during the first week of August 2016. The card(s) will come to you in a PLAIN WHITE ENVELOPE for security purposes. You will also receive a new Personal Identification Number (PIN) in a separate mailing after you receive your new card.

Activate Before September 30, 2016
Please make sure you activate your new EMV Visa® debit card no later than September 29, 2016. VISA debit cards will be deactivated on September 30, 2016.

Enhanced Security
Your new debit card features advanced EMV Chip technology. This new chip-based technology provides an enhanced layer of security to your transactions, and makes your new chip card extremely difficult to counterfeit.

Card Still Accepted at Non-EMV Terminals
In addition to the embedded microchip, CGFCU cards also have a magnetic stripe on the back. This way you can continue to make purchases at merchants who do not yet have EMV card terminals by swiping your debit card and signing a receipt.

Frequently Asked Questions about EMV Cards

Q: What is an EMV smart chip debit card?

EMV, which stands for Europay, Mastercard and Visa, is a global standard for credit and debit payment cards using embedded microchips. CGFCU’s EMV debit cards will have an embedded microchip that allows you to pay at chip enabled terminals. Plus, it provides improved security and protection against fraud.

In addition to the embedded microchip, CGFCU cards also have a magnetic stripe on the back. That way you can continue to make purchases at merchants that have not yet upgraded to EMV terminals by swiping your card and signing a receipt.

Q: Why is CGFCU switching to EMV smart chip debit cards?

Replacing magnetic-stripe-only cards with our new cards that enables both magnetic-stripe and chip-enhanced payments is one way we can help simplify your purchase experience as technology continues to change.

Q: What are the security benefits of the new EMV smart chip debit cards?

The embedded microchip provides unique data specific to your card and the transaction being processed every time you use it at chip-enabled ATMs or terminals. So, you are better protected from financial criminals.

Q: Do I need to get a metal wallet to secure my EMV card?

No. All of CGFCU’s smart chip EMV cards are “contact only cards” and cannot be scanned from a distance. The metal card wallets advertised on TV are not needed to protect your card.

Q: Are there any additional fees associated with the EMV chip-enhanced cards?

No additional fees apply to CGFCU’s new EMV cards.

Q: How do I make a transaction with my new card?

At merchants with EMV terminals and if you are traveling internationally, you can rest assured that using a chip-enhanced terminal is simple. At restaurants, a portable terminal may be brought to your table, and the process will be the same as during a store checkout, as described below.

To make a transaction, just follow these easy steps:

  1. Insert your card into the terminal with the chip facing up and leave the card in the terminal until the transaction is complete. If you remove the card too soon, the transaction will end and your purchase will not be processed.
  2. Follow the prompts on the terminal’s screen.You may be required to enter your PIN or sign the sales receipt to complete your purchase.
  3. When your transaction is complete, always remember to remove your card.

VISA® Consumer Credit Card

What do you want most from your credit card? Now you have a choice. Whatever your needs, we have a credit card that’s right for you!

Visa® Bonus Rewards Card

Visa® Bonus Rewards Card

  • Earn 1 point for every net $1 you spend, plus get a 25% BONUS (that’s equivalent to 1.25 points) on all points earned every month, automatically1
  • $25 cash back with your first purchase
Visa® Platinum Card

Visa® Platinum Card

  • Our BEST introductory offer
  • Save on interest and pay down your other credit card balances faster
College Rewards Visa® Card

College Rewards Visa® Card

  • Great rates and manageable credit lines
  • Earn 1 reward point for every net $1 you spend on purchases

1 The 25% more in bonus rewards consists of 1 Reward Point for each dollar of Net Purchases (purchases minus credits and returns) plus an additional 25% (0.25) in points awarded based upon the total points earned on Net Purchases within a billing cycle (total 1.25 points)

The creditor and issuer of these cards is Elan Financial Services, pursuant to a license from Visa U.S.A. Inc.

VISA® Business Credit Card

Our Visa Business credit cards come with a variety of important features including award – winning expense management tools, free employee cards, and added security benefits.

Visa® Business Bonus Rewards Card

Visa® Business Bonus Rewards Card

  • Earn 1 point for every net $1 you spend, plus get a 25% BONUS (that’s equivalent to 1.25 points) on all points earned every month, automatically 1
  • $25 cash back with your first purchase
Visa® Business Bonus Rewards PLUS Card

Visa® Business Bonus Rewards PLUS Card

  • Earn 1 point for every net $1 you spend, plus get a 50% BONUS (that’s equivalent to 1.5 points) on all points earned every month, automatically 2
  • $50 cash back after your first purchase
  • Low annual fee
Visa® Business Platinum Card

Visa® Business Platinum Card

  • Our BEST introductory offer
  • Save on interest and pay down your other credit card balances faster

1 The 25% more in bonus rewards consists of 1 Reward Point for each dollar of Net Purchases (purchases minus credits and returns) plus an additional 25% (0.25) in points awarded based upon the total points earned on Net Purchases within a billing cycle (total 1.25 points)

2 The 50% more in bonus rewards consists of 1 Reward Point for each dollar of Net Purchases (purchases minus credits and returns) plus an additional 50% (0.50) in points awarded based upon the total points earned on Net Purchases within a billing cycle (total 1.50 points)

The creditor and issuer of these cards is Elan Financial Services, pursuant to a license from Visa U.S.A. Inc.

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