From the comfort of home to wherever your life takes you, enjoy the convenience and versatility of a Visa Debit Card when you open a free checking account at UnitedOne(subject to approval).
^There is an $8 replacement fee charge if you need to order a new debit card. There is no fee when a new card is issued at time of expiration. Please see fee schedule for more information.
Follow the instructions on the sticker on your new card.
Sign the back of your card and keep it in a safe, convenient place.
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.
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 use Digital Banking, you can adjust the POS transaction limit by going to Debit Cards and selecting Card Controls and then Manage Daily Card Limit.
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.
Tap to Pay
** Beginning June 2023, all newly issued UnitedOne Visa Debit Cards now feature secure Tap to Pay capability. As your current card nears it's expiration date and your new one arrives in the mail, you will now see the Tap symbol next to the chip. This means you are now free to tap anywhere Tap to Pay is accepted! Looking to upgrade sooner? Contact us for more information and view this article to learn more about Tap to Pay.
Activating your UnitedOne Visa Debit Card:
Follow the instructions on the sticker on your new card.
Sign the back of your card and keep it in a safe, convenient place.
Destroy and discard your previous card. You can now begin using your new card immediately. This new card replaces your previous card.
Be sure to update your debit card information with all service providers who regularly process your card for payments, any recurring monthly bills, pay-on-the-go services, and your Mobile Wallet. Even though you may have the same account number, your expiration date and 3-digit security code have changed.
24/7 Access to Debit Card Controls in Digital Banking
Using Digital Banking gives you access to debit card controls, including the ability to lock your card, order a new one, change your limit, and set up travel notifications.
Courtesy Pay^^ is a discretionary service that may cover eligible transactions when your balance is short, helping you avoid returned items and potential merchant return fees while you make a deposit. It is not a line of credit, and payment is never guaranteed. If we pay an overdraft, a $28 fee per item applies, and coverage is generally limited to $500 on non interest bearing accounts or $700 on interest bearing accounts. ATM and one time debit card overdrafts require you to opt in. See our Fee Schedule and for full details.
Courtesy Pay is a discretionary service that may cover eligible transactions when your account balance is short, helping you avoid declined purchases and potential merchant return fees. It is not a line of credit, and payment is never guaranteed.
Yes. ATM and one time debit card overdrafts require you to opt-in under federal regulations (Reg E). You can opt-in by contacting us or completing the Overdraft Services consent form.
Yes. A consumer may also revoke consent at any time in the manner made available to the consumer for providing consent. A financial institution must implement a consumer's revocation of consent as soon as reasonably practicable.
^^Courtesy Pay is a discretionary service, not a right or obligation. UnitedOne Credit Union may pay overdrafts at its sole discretion and can discontinue this service at any time without prior notice. All overdraft amounts, including fees, are due and payable upon demand.
Members are required to bring their account balance to a positive balance within every thirty (30) day period for a minimum period of 24 hours. This is part of maintaining the account in good standing, which is necessary for continued eligibility for Courtesy Pay overdraft services.
Circumstances When the Credit Union Will Not Pay an Overdraft
The institution will not pay an overdraft if the account is not in good standing, which includes:
Failing to bring the account to a positive balance within the required time frame.
Being in default on any loan or other obligation to the institution.
Being subject to any legal or administrative order or levy.
The account is in dormant status.
The account is a minor, Not-for-Profit, or Public Funds account.
Payment of overdrafts is a discretionary courtesy, not a right or obligation. The institution may cease paying overdrafts at any time without prior notice or reason, at its sole discretion
For complete terms, conditions, and eligibility requirements, please refer to your Membership and Account Agreement and the . Payment of overdrafts is never guaranteed.
The loan calculator is an estimation tool to help the user understand what it may take to pay back a theoretical loan. APR = Annual Percentage Rate. Rates, terms and conditions are subject to change and may vary based on creditworthiness, collateral conditions and other factors.
The loan calculator estimates are not loan quotes. They may or may not be representative of your personal circumstances. The estimate is not a guarantee for a loan. Not all borrowers or loans will be eligible for the Interest Rates, Loan Terms, and other options included. Costs are dependent on the protection(s) elected and will vary from the costs included in this estimate. Contact the Credit Union for a complete list of terms and conditions.
Secure Chip and Tap Technology
Your UnitedOne Visa Debit Card's chip contains information that is only used to process your transactions at a retailer or ATM. None of your personal or other UnitedOne information is encoded on the chip. Every time you use your UnitedOne Visa Debit Card to complete a chip-based or tap-based transaction, it generates a one-time code giving the transaction enhanced security.
^^Courtesy Pay is a discretionary service, not a right or obligation. UnitedOne Credit Union may pay overdrafts at its sole discretion and can discontinue this service at any time without prior notice. All overdraft amounts, including fees, are due and payable upon demand.
Members are required to bring their account balance to a positive balance within every thirty (30) day period for a minimum period of 24 hours. This is part of maintaining the account in good standing, which is necessary for continued eligibility for Courtesy Pay overdraft services.
Circumstances When the Credit Union Will Not Pay an Overdraft
The institution will not pay an overdraft if the account is not in good standing, which includes:
Failing to bring the account to a positive balance within the required time frame.
Being in default on any loan or other obligation to the institution.
Being subject to any legal or administrative order or levy.
The account is in dormant status.
The account is a minor, Not-for-Profit, or Public Funds account.
Payment of overdrafts is a discretionary courtesy, not a right or obligation. The institution may cease paying overdrafts at any time without prior notice or reason, at its sole discretion
For complete terms, conditions, and eligibility requirements, please refer to your Membership and Account Agreement and the Courtesy Pay Disclosure. Payment of overdrafts is never guaranteed.
