Debit Card

How to activate your Debit card

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By Phone

Follow the phone prompts sent via mail along with your card and enter the requested information to activate and set a PIN.
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In Digital Banking

Visit the Card Services tab on your Debit card in Digital Banking. Follow the steps to activate your card, then call the provided phone number to set a PIN.

Why wait?

You can safely begin using your card before it arrives in the mail. Here’s how:

Ways to pay

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Digital Wallet* is an easy, safe way to pay in store, on apps, and on the web with your phone or smartwatch.
• Quick, contactless checkout using your device
• Your card number is never stored on your device


Your Visa® Debit card gives you an easy way to pay for anything!
• Use to grab cash at the ATM
• You’re covered if your card is ever lost or stolen with built-in fraud protection
• Streamline budgeting and easily track spending
• Use contactless chip and tap-to-pay for a quick and secure checkout

No matter how you pay, enjoy these benefits

Zero Fraud Liability

Zero Fraud Liability

Visa’s Zero Liability Policy* guarantees that you won’t be held responsible for unauthorized charges. 

More ATM Locations

Make deposits and cash withdrawals conveniently at an ATM near you.
Find one today.
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Contactless Transaction

Enjoy the ability to Tap to Pay at checkout or pay with your mobile device once your card has been added to your Digital Wallet.
Here's how.


Take Charge With Card Controls

Set alerts to stay on budget. Plus, lock and unlock your card whenever you need to. Learn how.

Advanced Card Controls

Get paid up to two days early* when you set up direct deposit. Learn how.

Frequently Asked Questions

  • I’ve added my Debit card to my Digital Wallet. How do I pay?

    It’s quick and easy, simply follow these steps. Make sure your BCU Debit card is set as your default card in your wallet.

    At the checkout, look for the contactless symbol.

    On your phone or wearable device, look for the wallet app.

    Hold your phone near the reader (you may need to double click). Wait for the check mark for completion. Easy as 1, 2, 3!

    Paying on an app or a website? Look for this symbol. Contactless in circle icon

    No need to create an account or fill out forms!

  • How can I use my new card?

    You can tap, insert, or swipe your card to make in-store purchases! For online or remote purchases, you can find all your card information housed on the back for ease of use and security, including your card number, expiration, and security code.

  • Why does my card take 14 days to arrive?

    We understand the urgency behind getting your card to you as fast as possible. Our vendor is currently able to fulfill requests within the 14-day timeframe (if not sooner), but we are continuously working with them on improving this time.

  • What do I do if I need my card sooner?

    You can add your card to your Digital Wallet anytime! Here’s how:

    Step 1
    Log into the BCU Mobile App. Navigate to your Checking share or Credit card and select Card Services. Select Add to Wallet and proceed to authorization3.

    Step 2
    Select your device, read and agree to the Term & Conditions, and verify your card.

    Step 3
    Success! You can now pay online, in stores, and on apps. Skip the wallet and hold your phone or smartwatch near the payment reader to complete your transaction.

  • My card is damaged. How can I request a replacement?

    We can help! Call 800-388-7000 for immediate support.

  • What are the spending limits on my card?

    Standard daily Debit card limits include $1,210 at the ATM, $2,000 using your PIN, and $10,000 with a signature. Need an increase? No problem! Here’s how

*Visa’s Zero Liability Policy does not apply to certain commercial card and anonymous prepaid card transactions, or transactions not processed by Visa. Cardholders must use care in protecting their card and notify their issuing financial institution immediately of any unauthorized use. Contact BCU for more detail.


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