ABILITY^TM Card

+ Expand All

About the Card

• + What is the UFCU ABILITY Card?

  The UFCU ABILITY Card is a reloadable debit card that can be used anywhere VISA^® cards are accepted. It is a member-friendly alternative to credit cards and traditional banking.

  With the UFCU ABILITY Card you can only spend what you deposit into your account, therefore there are no costly overdraft or interest fees. This card is easy-to-use with convenient reloadable capabilities 24/7, eliminating the concern of going into debt or overdrawing your account.

• + How does the UFCU ABILITY Card work?
  • Load your card —
    • Sign up for Direct Deposit,
    • Make a cash or check deposit at a UFCU ATM which accepts deposits or any UFCU branch,
    • Deposit checks using UFCU Mobile Deposit,
    • Or transfer money onto your card online, by phone, with UFCU Mobile Banking, or at a UFCU ATM.
  • Use your card — Shop online or in stores, or withdraw money at any ATM or branch.
  • Reload your card — Continue to add money to your card so you have funds to spend. Plus, you can set up online or mobile account access at ufcu.org to receive Account Alerts, view your balance and recent activity, and transfer money to your UFCU ABILITY Card from an eligible UFCU accounts.
• + What are the benefits of owning a UFCU ABILITY Card?
  • You won't be charged any overdraft fees.
  • You can monitor your activity and stay on top of your spending by checking your balance through UFCU Mobile and Online Banking.
  • Tag and categorize all of your debit card transactions using UFCU Money Manager.
  • Use the card to shop anywhere VISA^® debit cards are accepted.
  • Pay your bills online or using your mobile device anytime with free Bill Pay.
  • Load with funds and make withdrawals for no fee at over 300 ATMs in central Texas and 5,000 branches nationwide.
  • It's safer than cash, and you can rest easy knowing your money is insured by the National Credit Union Administration's Share Insurance Fund.
• + Is the UFCU ABILITY Card a credit card?

  No, the UFCU ABILITY Card is a reloadable debit card that you can load with money at any time. Unlike credit cards, you can perform PIN based and cash back transactions at merchants and the funds are withdrawn from the card immediately. This allows you to easily determine how much money you have to spend.

• + How is the UFCU ABILITY Card different from a gift card?

  The UFCU ABILITY Card is reloadable and personalized with your name. You can continually add money to your card with cash or checks, or through direct deposit. There is no need to open a different card. And unlike many gift cards, you can make ATM withdrawals.

  We do not recommend giving the UFCU ABILITY Card as a gift card.

Open

• + How can I get a UFCU ABILITY card?

  Visit any UFCU branch to open a UFCU ABILITY Card. Once you have opened your UFCU ABILITY Card account a personalized card will be issued to you instantly. You may begin using your UFCU ABILITY Card to make purchases immediately.

• + How much does it cost to open a UFCU ABILITY Card?

  If you're currently a member of UFCU, there is no fee to open a UFCU ABILITY Card. However, initially you are required to load a minimum of $25.

• + Can anyone get a UFCU ABILITY Card?

  You must be at least 18 years old and an eligible UFCU member to open a UFCU ABILITY Card.

Load & Reload

• + How can I add money to my UFCU ABILITY Card?

  There are four convenient ways to add money:

  1. Sign up for Direct Deposit.
  2. Load cash or checks at a UFCU ATM which accepts deposits or any UFCU branch.
  3. Load checks using UFCU Mobile Deposit on your mobile device.
  4. Transfer money via Online Banking, Mobile Banking or by phone from your other eligible UFCU accounts.
• + Can I use the UFCU ABILITY Card at an ATM?

  Yes. You can get cash surcharge free at over 300 of UFCU's ATM Alliance machines.

• + Can I add money at a non-UFCU ATM?

  No. ATM deposits to your UFCU ABILITY Card can only be made at a UFCU ATM which accepts deposits.

• + Does the UFCU ABILITY Card have a minimum or maximum balance requirement?

  No. There are no limits on how much or how little money you have on your card. However, you will be required to load $25 onto your UFCU ABILITY card when you open your account, and you will not be able to spend funds from your card if your balance is $0 or less.

Go

• + How does the UFCU ABILITY Card work?

  Once you open a UFCU ABILITY Card at any UFCU branch, you can use it anywhere VISA^® debit cards are accepted. (Shopping online, paying bills through your service provider by using your card number and withdrawals from ATMs are approved UFCU ABILITY Card behaviors.)

• + Can I use my UFCU ABILITY Card immediately after adding money?

  You can use your UFCU ABILITY Card immediately after you make a cash deposit at a UFCU ATM which accepts deposits or UFCU branch. AvailABILITY of check deposits is subject to our Funds AvailABILITY Policy.

• + Can I use my UFCU ABILITY Card in other countries? Is there a cost or fee for doing so?

  Yes, for your convenience you have access to your accounts internationally via our National & International Shared Branches.

  You can also use your UFCU ABILITY Card internationally wherever VISA^® debit cards are accepted. If the purchase is not completed in U.S. Dollars, it will be converted or exchanged to U.S. Dollars. The exchange rate will be applied either by the network that processes your transaction or the government-mandated rate in effect for the date that the network processes your transaction, which may be on a date that is different than when you actually used the card. In addition, a VISA^® 1% International Service Fee will be added to the converted amount.

• + Can I get cash at the register when I am making a purchase with my UFCU ABILITY Card?

  You can get cash back at a checkout terminal during a PIN-based transaction if the merchant supports it. Just select "debit" or "ATM" at the register.

• + Is there a fee for using a non-UFCU ATM?

  Yes. UFCU imposes a $1 fee when using a non-UFCU affiliated ATM. The non-UFCU ATM owner may impose an additional fee.

  To avoid ATM fees visit ufcu.org or UFCU Mobile Banking and search for your nearest ATM Alliance associated ATM.

• + Can I split a purchase, paying with my UFCU ABILITY Card and a portion in cash?

  You may do so if the merchant allows it.

• + Can my UFCU ABILITY Card purchases be declined?

  Most merchants ask us to authorize your purchase. When we give authorization to a merchant, we will hold funds on your UFCU ABILITY Card, generally for up to 3 business days, to pay for your purchase. For gas station purchases, up to $50 may be temporarily reserved when you use your UFCU ABILITY Card to pay at the pump. To avoid a declined purchase or incurring a hold greater than your actual purchase, pay for gas purchases at the cashier.

• + When swiping my card, should I select "credit" or "debit"?

  You have a choice and it is always up to you:

  • If you select "credit," you will not need to provide your PIN and you may need to sign a receipt
  • If you select "debit" or "ATM," you will need to enter your PIN. You can use the "debit" option to withdraw cash with your purchase.
• + Can I pay bills or make payments with my UFCU ABILITY Card?

  Yes. You can pay bills using your UFCU ABILITY Card number at biller sites wherever VISA^® debit cards are accepted. For billers who do not accept payments using a VISA^® debit card, you can pay using ACH, or use UFCU Bill Pay through Online or Mobile Banking.

• + How can I sign up for Direct Deposit?

  Visit ufcu.org, and download a Direct Deposit form. Complete the appropriate form and give to your employer's payroll department to request Direct Deposit of your payroll check.

  UFCU's Routing & Transit (R&T) number is 314977405.

• + Are there any limits on transactions?

  Yes. You may withdraw up to $1,000 cash per day from the ATM, and you may make purchases totaling up to $2,000 per day.

Managing your UFCU ABILITY Card

• + How can I manage my UFCU ABILITY Card online using ufcu.org?

  When you enroll in UFCU Online Banking, you can have the convenience of 24-hour banking from your home or office, allowing you to:

  • View and download account information and transactions.
  • Tag expenses, see your cash flow, and create spending budgets.
  • Pay your bills for free.
  • Transfer money between your accounts, to other members, and to other financial institutions.
  • View your statements, tax forms and check images.
  • And more!
• + How can I check my UFCU ABILITY Card balance and activity?

  There are several convenient ways to check your UFCU ABILITY Card balance:

  • UFCU Mobile Banking — Please note the Mobile Banking Account Summary screen will display your ABILITY Card Current Balance. To view your Current Balance and Available Balance you will need to click through to Account Details screen.
  • UFCU Online Banking with Account Alerts at ufcu.org
  • Call us at (512) 467-8080 — Austin, (409) 797-3300 — Galveston, (800) 252-8311 — US Toll—free
  • Visit any UFCU ATM or your nearest branch
• + Can my UFCU ABILITY Card have a negative balance?

  A negative balance may occur if the final purchase amount the merchant submits to us is greater than the amount we originally authorized, or the merchant processes a transaction without prior authorization. Your Monthly Service Fee may also deduct from your balance even when your available balance is less than the Monthly Service Fee. You should immediately add more money to you UFCU ABILITY Card to bring your balance above zero. There are no overdraft fees for the UFCU ABILITY Card.

• + Can I deposit funds into my UFCU ABILITY Card account through UFCU Mobile Deposit?

  Yes, with a capable mobile device. Check deposits using UFCU Mobile Deposit are subject to the Funds Availability Policy.

Good Things to Know

• + Where can I go if I have a question about the UFCU ABILITY Card?

  Please contact us at your convenience.

• + Is there a monthly fee for the Ability Card?

  Yes, there is a $5 monthly service charge assessed on the last day of each month.

• + Does the UFCU ABILITY Card expire?

  Yes. A new UFCU ABILITY Card will be mailed to your address on file before your current UFCU ABILITY Card expires. You will need to follow the activation instructions included with that card before you can use your new card. To ensure your new card reaches you, always notify UFCU immediately of an address change.

• + What if my card, PIN or password is lost or stolen? Am I protected against any fraudulent charges or identity theft?

  Yes. Please contact us at your convenience to report your lost or stolen information or card. Fraudulent charges are handled on a case-by-case basis as each situation is unique for our cardholders.

• + Is my money covered by any insurance?

  Yes. UFCU members are insured up to $250,000 per account ownership type (per member, not account number!) through the National Credit Union Share Administration's Share Insurance Fund (NCUSIF). Please visit ufcu.org for more information.

• + Can I rent cars, trucks, or boats with my UFCU ABILITY Card?

  Yes, you may use the ABILITY Card to pay for any car, truck, or boat rental. However, please be aware that these companies may place a hold on your account for more than the purchase amount. Because of this type of significant hold against your account, we recommend always using your UFCU credit card for rentals.