Debit Cards
Take advantage of surcharge-free ATMs and flexible payment methods using your A+FCU debit card.
Take Your Spending On-The-Go
Easily access the funds in any of your A+FCU checking accounts with an A+FCU debit card.
Your A+FCU debit card is flexible for your needs; it can be used for any PIN- or signature-based transactions and with Mobile Wallet.
Visit any A+FCU branch to get an instantly issued debit card.
Activate Your Debit Card
To activate your debit card, you can either call 800.335.4583 or use Card Management in A+ Online Banking or the A+ Mobile App. After you log in, navigate to Card Management > select the new card listed > follow the prompts. If this is a new card, you’ll need to set your PIN in Card Management. Replacements for expired cards will keep the same PIN.
Report Lost Or Stolen
To report your debit card as lost or stolen, you can either call 800.335.4583 or log in to A+ Online Banking or the A+ Mobile App and easily use Card Management. Fight fraud and protect your funds by setting up debit card fraud text alerts and monitoring with Card Management.
Change Your PIN
To change the PIN on a card, you must know the current PIN and then you can log in to A+ Online Banking or the A+ Mobile App > select Card Management (from the Menu) > select the card > Select and Change PIN. If you don’t know the current PIN, you can contact us at 512.302.6800 or visit an A+FCU branch.
Card Management
Securely manage your debit card using controls and alerts with our free online tool, Card Management – available in A+ Online Banking and the A+ Mobile App.
Protect Your Funds
Fight fraud by opting in to our debit card fraud text alerts. If a transaction seems suspicious, our service provider will send you a text to let you know about it. The service will wait for you to answer, then call you if they don’t get a response.
Stay On The Go
Visa Account Updater
Visa® Account Updater (VAU) is an account updating service in which all card issuers are required to participate. It helps facilitate uninterrupted processing of your recurring payments when your debit card expires or if it’s lost, stolen, or compromised and a new card is issued.
The service updates relevant card data such as card numbers and expiration dates to participating merchants only after you have requested they process a recurring payment or payments.
Your A+FCU Visa Debit Card is automatically enrolled in VAU at no charge.*
Travel Notifications
Before traveling, add a travel notification to reduce the chances of your debit card being declined for unusual activity.†
Easily submit a Travel Notification through A+ Online Banking or the A+ Mobile App. After logging in, select Card Management from the menu > select the card you’ll be using while traveling > Travel Notification > input information > Submit.
*If you would like to opt out of the Visa Account Updater Service, call us at 512.302.6800 or send us a secure message through A+ Online Banking or the A+ Mobile App. Please include your name and the last four digits of your card number.
†Travel Notification does not guarantee authorization of charges and transactions will still be monitored for potential fraudulent activity.
Frequently Asked Questions
Yes. You’re able to enable and disable your debit card through Card Management within A+ Online Banking and the A+ Mobile App.
Once logged in, from the Menu select Card Management > locate the Debit Card in question > “toggle” the card from “enabled” to “disabled” > follow the prompts.
If you learn your card has not been compromised, follow the same steps to enable your debit card.
Please deactivate your debit card as soon as you believe that it has been compromised.
If you need to deactivate your debit card, you can do so through Card Management.
Once logged in, from the Menu select Card Management > select the Debit Card in question > select Report lost, stolen, or fraud > answer the prompt.
You can also order a replacement card at that time by checking the box Order Replacement.
Finalize the card deactivation by selecting Report lost card or select Cancel to return to the Card Management home screen.
Once your card is deactivated, it cannot be reactivated and is effective immediately.
Feel free to contact the Card Services department directly with any questions or concerns at 512.533.4332 or [email protected].
Often times when a debit card is being declined with online orders, the zip code is not matching up. Verify that your billing address is the one linked to your A+FCU account and debit card.
If your debit card is declining with an in-person purchase, it’s possible your card is being blocked for fraud or that you have exceeded your daily PIN amount. Call our Contact Center at 512.302.6800 with any questions you may have about your debit card.
You can use your A+FCU debit card with your PIN (including ATM machines) up to $1,000 per day.
If you’ve reached this limit, run your debit card as ‘credit’. This sometimes looks like “No Pin” or simply selecting the green button at a cash register. Ask the cashier if you’re not sure. This limit doesn’t apply to online transactions.
A chip card has a microchip on the front and the traditional magnetic stripe on the back. It may also be called an EMV card. The microchip provides additional security when used at chip-activated terminals or ATMs. The chip card is widely accepted in over 130 countries worldwide.
The chip card is more secure for in-store purchases than traditional cards and is more difficult for fraud organizations to target card holders and businesses. A unique one-time code is generated for each transaction and makes it virtually impossible to replicate – giving you greater security and peace of mind when making store purchases. Of course, you’re still protected against unauthorized use with Visa’s Zero Liability policy.
Visa’s Zero Liability Policy covers US-issued cards and does not apply to certain commercial card transactions or any transactions not processed by Visa. You must notify A+ Federal Credit Union immediately of any unauthorized use.
If you need to dispute a debit card transaction, reach the A+ Debit Card Dispute Team 24/7/365 by calling 800.335.4583 > select your preferred language > press ‘4’.
If you need to get a new debit card, visit an A+FCU branch or call us at 512.302.6800.
A+ Gift Cards
Please note that the A+FCU Gift Card program has ended and the last day to use remaining funds on A+FCU gift cards was March 31, 2025. To request funds that were remaining on your A+FCU gift card, reach out to A+FCU at 512.302.6800.
Resources
Make the most of your A+FCU membership with these resources to help you manage your accounts and better your finances.
(Re)Building Credit
Credit is factored into many decisions, including loan approvals, housing applications, insurance rates, and employment opportunities. To obtain the most favorable outcomes, it’s important to understand the basics of credit scores and credit reports.
Fraud Protection
You work hard for your money. We want to help protect it by sharing tips to help recognize scams, deter fraudsters, and take appropriate action if you fall victim.
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Cash-Back Checking
Get the debit card that earns you unlimited cash back. Enjoy monthly rewards with your free Cash-Back Checking.