Debit Cards
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When you open an Accentra checking account, you’re automatically eligible for a free Visa® Debit Card. This card is a convenient alternative to writing checks and may be used for cash access at ATM machines.
When paying for purchases, use your debit card anywhere you see the Visa® logo. The purchase amount is automatically withdrawn from your checking account, usually within 1-2 days.
Additional benefits include:
- No monthly maintenance fee
- No finance charges
- No transaction fee for purchases*
- Accepted at Visa® merchants worldwide
- Purchase details on each monthly statement
For more information, simply call 507-433-1829 or 800-533-0448 to set up an appointment with a Financial Service Representative.
Lost or Stolen Card?
To report a lost or stolen Visa Credit Card or Debit Card please call the appropriate number below.
Visa Credit Card
888-776-8615
Debit Card
800-472-3272
Need a Replacement Card?
If you lose or damage your Accentra debit card or experience fraudulent charges on your account you can now replace your card instantly at no charge via Card@Once. Simply stop by any of our 3 locations or call us at 800-533-0448 and we’ll issue you a new card on the spot. No more waiting for it to arrive in the mail!
Monitor Card Activity
Keep an eye on the cards in your wallet with the phone in your pocket
With the free CardValet® mobile app you can monitor your Accentra VISA debit card and credit card usage and spending. Manage when, where, and how your cards are used.
With CardValet® you can
- Turn your debit card or credit card "on" and "off"
- Set transaction controls for dollar amounts, merchant categories (grocery stores, restaurants), and location (your current city, a 10 mile radius from your home)
- Receive alerts when your card is used, approved, or exceeds the transaction controls you've set
- Stay on top of potential fraud with alerts on attempted and declined transactions
- Get real-time balance information
CardValet® helps you control spending
- Set spending limits for general amounts, by specific categories like gas or groceries, or by geographic location
- Change your spending parameters any time by using your mobile device. Update your controls to allow for travel, holiday shopping, or simply to meet new spending needs.
- Keep an eye on your account balances in real-time
CardValet® protects you from fraud
- Turn your card off and no withdrawals or purchases will be approved
- Except for previously scheduled recurring transactions
- Turn your card on and only transactions that meet your pre-set preferences will be processed
- Set additional transaction controls for an extra layer of protection
- Know when and where your card is used or declined with real-time alerts
Your card. Your terms. Download CardValet® today!* For more CardValet® information, click here.
*Message and data rates may apply. See your mobile service provider for details.
CardValet® is a registered trademark of Fiserv, Inc. or its affiliates and is a service of Accentra Credit Union.
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Credit Cards
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Details
Opening a Visa® credit card with Accentra does more than just expand your purchasing power.
- Low rates
- Shop online with confidence
- Credit limit based on credit worthiness
- 25-day grace period
- uChoose Rewards®
- No cash advance fees
- No balance transfer fees
- Fixed rate remains the same no matter how the card is used
- Credit card disclosure
Chip Card Protection
When you receive a new debit, credit or ATM card from Accentra you'll notice that it has a small chip on the front. This chip indicates that your card is equipped with EMV (Europay, MasterCard, and Visa) technology.
The computer chip is extremely difficult to counterfeit and EMV technology is being used to fight credit card fraud. In addition to the chip, your cards still have the magnetic stripe on the back so they can be used where payment terminals haven't been updated to be chip-enabled.
The new chip cards will be issued following our normal replacement cycle, with all debit cards being the first to transition. You'll receive a letter alerting you to the switch prior to your new card arriving.
Your new EMV chip-enabled cards will have a new card number and expiration date. If you have automatic payments in place that use your current card you will need to provide the merchants with your updated card information.
The EMV technology reduces the opportunity for data breaches and credit card fraud, but it doesn't eliminate the possibility completely. If you use the magnetic stripe for a transaction you will not have added security. EMV also does not improve the security of online, over the phone or other instances where you may not be at a chip-enabled terminal.
Find more information and answers to frequently asked questions.
Travelers Protection Program
Auto Rental Collision Damage
The Auto Rental Collision Damage Waiver will reimburse a covered cardholder for the repair or replacement of a damaged rental vehicle due to collision, theft, or other physical damages, up to the actual cash value of most rental cars.
Hotel/Motel Burglary Reimbursement
When you pay for your hotel or motel room stay with your Accentra Visa card, you may be eligible to receive reimbursement if personal property is stolen from your room.
Lost Luggage Reimbursement
Lost Luggage Reimbursement provides cardholders and their families with reimbursement for the cost of replacing a cardholder’s checked or carry-on luggage and its contents.
Travel Accident Insurance
Travel Accident Insurance provides cardholders and their families with automatic common-carrier Accidental Death and Dismemberment coverage every time they use their Accentra Visa card to purchase travel tickets.
Travel and Emergency Assistance Services
Travel and Emergency Assistance Services will put you in touch with the appropriate emergency service should the need arise. You, your spouse and your eligible children may all take advantage of these special emergency services.
Trip Cancellation/Trip Interruption
Trip Cancellation and Trip Interruption will help reimburse you for the cost of your scheduled airline passenger fare in the event that the trip must be canceled or interrupted due to a covered reason.
See the Travelers Protection Program brochure for detailed explanations of these services.
Monitor Card Activity
Keep an eye on the cards in your wallet with the phone in your pocket
With the free CardValet® mobile app you can monitor your Accentra VISA debit card and credit card usage and spending. Manage when, where, and how your cards are used.
With CardValet® you can
- Turn your debit card or credit card "on" and "off"
- Set transaction controls for dollar amounts, merchant categories (grocery stores, restaurants), and location (your current city, a 10 mile radius from your home)
- Receive alerts when your card is used, approved, or exceeds the transaction controls you've set
- Stay on top of potential fraud with alerts on attempted and declined transactions
- Get real-time balance information
CardValet® helps you control spending
- Set spending limits for general amounts, by specific categories like gas or groceries, or by geographic location
- Change your spending parameters any time by using your mobile device. Update your controls to allow for travel, holiday shopping, or simply to meet new spending needs.
- Keep an eye on your account balances in real-time
CardValet® protects you from fraud
- Turn your card off and no withdrawals or purchases will be approved
- Except for previously scheduled recurring transactions
- Turn your card on and only transactions that meet your pre-set preferences will be processed
- Set additional transaction controls for an extra layer of protection
- Know when and where your card is used or declined with real-time alerts
Your card. Your terms. Download CardValet® today!* For more CardValet® information, click here.
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VISA Gift Cards
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No matter the occasion – birthdays, weddings, holidays or graduations – VISA Gift Cards are a great gift idea for everyone on your list! VISA gift cards are safer than cash and just as flexible.
VISA gift cards can be purchased in amounts ranging from $10 to a maximum of $1,000 and the cards can be used anywhere VISA is accepted, with the following exceptions:
- No PIN-based transactions are allowed. Cards cannot be used to withdraw money from an ATM.
- Cards cannot be used for hotel reservations, auto rentals, or “pay at the pump” gas purchases. You MUST provide your signature to make a purchase with the card.
- Cards cannot be used to add a tip after a transaction has been processed with the card (i.e. at restaurants, salons, etc.).
VISA gift cards are available at all Accentra branches. Stop in for yours today! The process is fast and easy. Each VISA gift card costs $5 in addition to the amount loaded on the gift card. VISA gift cards are available for purchase by members only. Cards will be activated for your convenience. You may view your account information online or by calling 866-833-2370.
Refer to the Gift Card Agreement for terms, conditions, disclosures and applicable charges.
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