Visa Debit Cards

Need money that is flexible to meet your needs? We offer the flexibility of a VISA debit card at your fingertips! Accepted worldwide, the VISA debit card is a convenient and popular alternative to writing a check. This card is an ATM card as well as a debit card. Just remember it is very important to keep track of all your debit card withdrawals on a check register!

An initial EMV Visa ATM/Debit card is available at no charge for qualified members.  All of our cards are chip-enabled providing our members with the strongest security available.  These cards can be used for all transactions where Visa is accepted and are compatible with tokenized payment methods such as Apple Pay, Android Pay, and Samsung Pay.

We take security very seriously so limits are in place to limit the possibility of fraudulent transactions to a member’s account. However, should you need to make a purchase exceeding these limits please call us 207-945-6264 or 1-800-974-4475 to have these limits increased momentarily.


Why should I choose credit over debit?

One word: security. When you choose credit, your signature gives you all the protection and rights of VISA.

What do I do when the machine asks for my pin?

For most machines, push cancel and it will take you to the credit screen, or ask the cashier to process the transaction as credit.

What about online and automated payments?

Listen to all options available. In most cases, you can process your purchase as a credit transaction.

What if I want cash back?

When you want cash back, you will need to use your PIN.

How do I avoid a fee?

Use your PIN only when you want cash back. For all other transactions, choose credit.

What if I use my PIN at an ATM?

Changing Seasons FCU does not charge a fee for you to use your card at our ATM machine at the 115 Mecaw Rd, Hampden location.

The choice is yours – choose credit!

If your card is lost or stolen or you suspect fraud has occurred, please call the credit union at 207-945-6264 or after normal business hours please call 800-472-3272.

**Please note, that as a Changing Seasons FCU cardholder you have 10 Free ATM withdrawals and 10 Free ATM Inquiries at any ATM not owned by the Credit Union. Any transaction over the 10 free transactions is charged a $1.00 per withdrawal and/or inquiry.**

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