Get answers to commonly asked questions

Debit Cards

Your daily debit card limit is $5,010 for purchase transactions and $1,010 for ATM cash withdrawals.  

Contact Credit Union ONE at 800-451-4292 if you need to discuss a temporary change in transaction limits 


Yes, a 1% foreign transaction fee will apply to purchase transactions completed outside the United States. A $1.50 transaction fee will apply to ATM transactions outside the United States. Additionally, the owner of the ATM may charge a surcharge fee for use of that ATM.

Points will accrue over four calendar years and will expire on a first-in-first-out basis annually; points earned in calendar year one will expire on the last day of the calendar year four.  Thus, points earned in 2021 will expire December 31, 2024; Points earned in 2022 will expire December 31, 2025.

 You may call our lost or stolen debit card line at 800-451-4292. Debit cards may also be reported as lost/stolen in Online or Mobile Banking under Card Management. 

To change your pin, call our PIN NOW number 888-886-0083 and follow the prompts. Or visit any Credit Union ONE ATM.

Earn 1 point for every $3 spent with your Cash Back Checking Account Platinum Debit Card.

You can allow premium overdraft to pay for everyday debit card purchases if funds are not available. You must be approved for this service, which can be added and removed at any time at your request.

Rewards Points can be redeemed for merchandise, gift cards, travel services and cash.

To avoid a debit card from becoming restricted due to inactivity, you must use the card at least once within a 12 month period. To reactivate your card, contact the Member Contact Center at 800-451-4292 or visit any Credit Union ONE branch.

Yes, but you should inform Credit Union ONE with a Travel Notification.  Transactions are blocked when fraud is detected on your debit card and Travel Notifications inform us that you will be using your debit card out of state in the place and time specified. This prevents our fraud department from flagging your debit card transaction as fraudulent. 

You can complete a Travel Notification through Online Banking, by visiting a branch, or by calling the Member Contact Center at 800-451-4292.

Check and redeem Debit Rewards points in Digital Banking by selecting Cards, then Debit Rewards.

Call the phone number on the sticker on the front of the new card or call Credit Union ONE Member Contact Center at 800-451-4292 or visit any Credit Union ONE branch.

Replacement debit cards can be instant-issued at the branch for a fee of $5.00. Requests over the phone or via email/chat for replacement debit cards will be delivered via USPS for a fee of $5.00. Requests over the phone, email/chat for Rush Order replacement debit cards will be delivered via FedEx for a fee of $30.00.

Credit Union ONE is committed to protecting your accounts and monitors all debit transactions for fraud 24/7. If fraud or unusual activity is suspected, our automated fraud alerts allow you to instantly respond to suspected fraud on your account via text, digital voice or email.

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