Credit and Debit Card FAQ

If you temporarily misplace your debit card, lock your card in Digital Banking using Card Keeper™. Log in to Digital Banking, choose Card Keeper™ » Manage Cards and select the card you want to manage. Then click the toggle to lock or unlock your card.

Card Keeper™ is a Digital Banking security feature that gives you complete control over your cards. You can temporarily lock or unlock a misplaced card, update your PIN, and view spending limits — all in one secure place.

Your contactless card also has a chip and a traditional magnetic stripe that can be used at checkout terminals that do not have contactless options.

As with all UFCU cards, if your contactless card has been lost or stolen, or your card has been declined and you suspect possible fraud, call Member Services at (800) 252-8311.

Yes. Each contactless transaction is conducted using a unique, one-time code. During that transaction, your personal information is not transmitted. The contactless method eliminates the need to swipe or insert your card into the checkout terminal, which means the card cannot be compromised by skimming devices.

When prompted by the checkout terminal, bring your contactless card within a few inches of the terminal. Your payment will be processed within seconds.

Contactless credit and debit cards can be used with any retailer that has a contactless option at their checkout terminal. You can identify these options by looking for the contactless symbol ^* or the words “tap here.”

Contactless payments are just as secure as payments made with a contact chip card but have the added feature to tap to pay for a touch-free checkout experience.

Contactless cards use the same security as a chip card but allow you to pay without touching surfaces for a quick and secure checkout experience. The key difference is that you can tap to pay at a contactless-enabled checkout terminal.

A contactless card is a chip card that is embedded with a near-field communication (NFC) antenna. This allows you to “tap to pay” at a contactless-enabled checkout terminal without having to swipe, dip, or insert the card.

It is not our policy to remove debit card preauthorization holds unless an error was made. If an erroneous hold was placed, or there are extenuating circumstances, please contact us.

It is always a good idea to have overdraft transfer protection set up on your account. Overdraft transfer protection helps you avoid larger Courtesy Pay fees by using your Savings Account, Money Market Account or Line-of-Credit loan to automatically cover the insufficient funds.

When you open a UFCU checking account, your Savings account is automatically established as the overdraft account, but you may also use a Money Market account or Line-of-Credit loan as well. Please contact us for more details.

When merchants preauthorize an amount that is different from the final transaction total, there is a chance that the hold and the transaction will not match, and the hold will not release. If the transaction does not match the hold, the system will automatically release the hold on your account in 72 hours.

Online and telephone debit card transactions are generally processed as credit transactions because you do not have the option to enter your PIN. These types of purchases will create a preauthorization hold.

No. Some merchants, especially gas stations, hotels and sometimes restaurants, will preauthorize an amount that is higher or lower than the actual purchase amount. For example:

Gas stations: Many gas stations preauthorize transactions for amounts ranging from $1 to $75 because they do not know how much gas you will actually pump in advance of your transaction. If they preauthorize $75, we will place a hold for $75, even if your actual transaction is only $45. After 2 hours, we will release the hold and those funds will be available to you again.

If you are worried about large preauthorization holds from gas stations, we recommend the following:

Use a UFCU credit card for your transaction.

-or-

Use your debit card as "debit" and enter your PIN.

Hotels: When using a debit card to make reservations in advance, hotels generally will preauthorize an amount equal to an overnight stay, or more, depending on the length of your stay. This will result in a hold on your account up to 72 hours. Then, when you actually arrive, the hotel will place another preauthorization, often larger than the cost of your stay to cover possible incidental expenses. Because these can result in significant holds against your account, we recommend always using your UFCU credit card for hotel reservations.

Your preauthorization transactions will appear as Pending Transactions within UFCU’s Online Banking. You can also obtain your available balance through UFCU’s Phone Banking and at ATMs.

In addition, you may use an Account Balance Change Alert to notify you via email or text message when your account reaches an available balance threshold you specify.

No, in fact, we believe this feature provides the information needed to help members avoid overdraft situations and thereby avoid Courtesy Pay fees. There is no change to our overdraft transfer or Courtesy Pay policies or processing.

The advantage of preauthorization holds is that you can check your balance and get a more accurate picture of what is truly available to you before you spend.

Most members depend on the accuracy of their available balances to help them avoid NSF situations or Courtesy Pay fees. Debit card preauthorization holds allow members to view pending transactions and provide timely available balance information. For example:

John visits the ATM and sees his available checking balance is $100, so he withdraws $50. He doesn’t realize his wife made a debit card signature purchase for $75 from their joint account earlier in the day. The resulting balance in their account would be negative when the debit transaction arrives for processing, so their overdraft protection is triggered to transfer $25.

However, if UFCU had placed a debit card preauthorization hold for his wife’s $75 transaction, John would have known that he really only had $25 available to him and could have avoided the NSF situation by withdrawing less money.

Your available balance reflects any preauthorization holds or deposit holds and is used to determine available funds when future transactions attempt to clear the account.

The balance we use internally as transactions clear is called your actual balance or total balance and includes all items that have cleared the account up to that point. This actual balance does not include outstanding debit purchases, share drafts (checks), or automatic drafts. If funds are not sufficient in the actual balance at the time of clearing, an overdraft fee is charged for each transaction that attempts to clear.

No, they only apply to debit card purchases when you sign your name or do not enter a PIN. Debit purchases and ATM withdrawals made using a PIN subtract the funds immediately from your account, thereby reflecting an accurate available balance.

Exception: When using your PIN at a fuel dispenser, the merchant may still send a preauthorization request.