Frequently Asked Questions

To activate your new UnitedOne Visa® Debit Card:

1. Follow the instructions on the sticker on your new card.
    
2. Sign the back of your card and keep it in a safe, convenient place.
    
3. Destroy and discard your previous card. You can now begin using your new card immediately. This new card replaces your previous card. Once you have activated it, the balance on your previous card will automatically transfer to your new card.

No, we will order a new debit card for you. New debit cards are ordered during the first few days of the month of expiration. A new debit card should be received by the middle of the month. Please call us if it's the end of the expiration month and you haven't received your new debit card. Your debit card will work the whole month of the expiration date until you activate the new one.

Your debit card will work the whole month of the expiration date until you activate the new one. We will order a new debit card for you when your expiration date approaches. New debit cards are ordered during the first few days of the month of expiration. A new debit card should be received by the middle of the month. Please call us if it's the end of the expiration month and you haven't received your new debit card.

Once you open a checking account and apply for a debit card, it will take between 7 - 10 business days for you to receive your new debit card.

Call 1-866-594-6439. For security reasons, UnitedOne employees cannot change your PIN or activate your card. If you are experiencing problems, call UnitedOne at 920-684-0361 or 920-451-8222 and select option 6 to talk to an employee who will connect you to the activation line.

Immediately notify UnitedOne if you suspect there are fraudulent transactions being conducted with your debit card or if your card has been lost or stolen. If this is an "after business hours" event, use the Card function in Digital Banking to lock your card. If you do not have Digital Banking, immediately notify UnitedOne at (920) 684-0361 or (920) 451-8222 and let Ollie know you are calling for "debit card fraud." If you're calling after business hours, let Ollie know you are calling for "debit card fraud" and select option 6 after he transfers you to our after-hours menu. 

You can withdraw up to $1,000 at an ATM and $2,500 for point-of-sale (signature based) transactions. If you have the UnitedOne mobile app, you can adjust the POS transaction limit using the Card Controls menu option.

To find the ATM nearest you, visit our ATMs page.

You may see $1 or some other odd amounts listed for debit card hold amounts. There are standard debit card transaction holds that occur after you use your card at merchants such as pay-at-the pump gas stations and hotels, where your card number is provided before the final transaction amount is known. Once this transaction actually clears your account, the hold ends.

Prior to traveling, please use the Debit Card Controls function in the UnitedOne app to set up your card for travel. If you're unable to place a travel notice on your own, we also ask that you notify us with the dates and locations where you will be traveling so we can note your account and avoid problems. If you are traveling out of the country, Visa® will automatically convert your funds and charge the International fee for your transactions abroad.

Your debit card will work when you are traveling out of the U.S., though there may be times when a card may not work in a foreign country for any number of reasons. We encourage travelers to have a secondary payment source, such as a UnitedOne credit card, to use as a backup. If you experience debit card problems, call UnitedOne at 920-684-0361 or 920-451-8222 and select option 6.

All purchases and cash withdrawals you make in foreign currencies using your UnitedOne debit card will be debited from your account in U.S. dollars. The exchange rate between the transaction currency and the billing currency used for processing international transactions is a rate set by Visa^®.

A fee of 1 percent of the amount of the foreign transaction, calculated in U.S. dollars, will be imposed on all foreign transactions, including purchases, cash withdrawals and credits to your account. A foreign transaction is defined as any transaction that you complete or a merchant completes on your card outside of the U.S., excluding those made on U.S. military bases, and in U.S. territories, U.S. embassies or U.S. consulates.

The U.S. banking system is requiring all debit and credit cards be issued with what is known as an EMV chip (Europay MasterCard Visa). Your UnitedOne debit and credit cards now have EMV chips adding to their safety. Often, when traveling out of the U.S., you will see "chip" or "PIN-enabled" on a point of sale terminal or ATM. These designations are in reference to EMV chips and their ability to authenticate Visa and MasterCard transactions.

If you encounter any signature-based transaction difficulties with a European merchant, simply complete your transactions with a "PIN-preferred" terminal. For assistance, you also have the option of contacting UnitedOne directly at 920-684-0361 or 920-451-8222 and selecting option 6.