Online Banking
New Visa Debit Cards are coming soon!
The team is working behind the scenes to ensure a smooth transition to our new VISA Debit Cards.
What are the Frequently Asked Questions?
When will I get my new MCU Visa Debit Card?
Cards are being mailed on Monday January 27th, 2025. You should receive your new card shortly after that, but well in advance of the February 3, 2025 go “live” date.
When can I activate my new VISA debit card?
You can activate your new card immediately upon receipt and it will start working.
How do I activate my new VISA debit card?
There will be a sticker on the front of your new debit card that will give you the number, 833-455-3254 to call to activate your new Visa Debit Card.
What are some tips while activating my new VISA debit card?
• Keep your card nearby, as you'll need details from the back during activation.
• Listen closely to the prompts - they will guide you through the process.
• Activation is after Option 1 and Option 2. It is part of additional services.
• Some joint owners may need to enter information for the primary owner when asked for birthdate and Social Security Number. If your information isn't working, try using the primary owner's details.
• Stay on the line to choose your PIN; otherwise, you won’t have one set up.
If I have a Mastercard debit card, will my card number change?
Yes, your debit card number will change. Any recurring payments via debit card information or stored debit card information will need to be updated (i.e. insurance, utilities, fitness club, streaming services or subscription services, etc.)
What else needs updated with the new cards information?
In addition to recurring or subscription services, mobile wallet users will want to update their mobile wallet(s).
More Questions
Will my PIN change?
Yes, you will prompted to select your PIN during your activation call
Can my PIN be the same as my old card?
Yes, if you change it to that PIN when calling.
Do I have to request a new VISA debit card?
No, you will automatically receive a new VISA debit card in the mail during the roll out period.
Are there costs or fees associated with replacing my Mastercard card with a new VISA card?
There is no fee associated with getting your new debit card. If, in the future, you need to replace a lost card, it would be subject to a replacement fee. Please refer to the Fee Schedule for a list of current fees.
Will I be without a debit card?
No, you should not be without a debit card. However, if your address is not up to date in credit union’s system prior to the card mailing, you may not receive your new VISA debit card. Please contact Member Service at 616-784-4822 if our website says the new cards have gone out and you have not received your new card.
I have merchants that charge my Mastercard monthly. Will I have to notify those merchants? (Ex. Netflix, insurance companies, Amazon, Apple, utilities)
Yes, you need to contact or update all merchants with which you have automatic charges or card information on file using your current card and provide them your new VISA debit card information. This will not apply to merchants that do recurring ACH charges/fees that come straight from a checking or savings account, only to those that keep your debit card information on file.
Will my limits change?
No, limits will remain the same.
If I have courtesy pay, will I have to re-opt in for courtesy pay with my debit card?
No; your courtesy pay status will not be affected and will continue to work throughout the conversion and after.
What is the difference between my VISA debit and a VISA credit card?
VISA debit is directly linked to your checking account. When you use your VISA debit the funds are withdrawn from your checking account. VISA credit allows you to borrow money and repay it later.
What should I do with my Mastercard debit card?
Your Mastercard debit card can be safely destroyed by shredding it.
