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Debit Cards

Having a Debit Card from RFCU means instant access to your share draft / checking account no matter where you are. The Debit Card not only acts as your ATM access to the funds available in your share draft / checking account, but also allows you to make purchases anywhere you see the VISA® symbol - and the money is directly debited from your checking account’s available balance. Options and Convenience!

Card Activation: 800-216-4223
Lost / Stolen Visa Debit Card: 800-528-2273
Lost / Stolen Visa Debit Card (While outside the US): 410-581-9994
Change Pin Number: 1-800-851-4859

Whether at work, on vacation, or at home, to find a FREE ATM near you, simply visit:

Debit card fraud is on the rise. Protect yourself and your accounts:
Ways to Protect Your Debit Card

  1. Update your contact information with your financial institution. Your credit union can't ask you about a suspicious charge unless it has your current phone number.
  2. Copy the customer service phone number from the back of each of your debit or credit cards and keep this list in a separate location from your purse or wallet in case a thief steals the latter.
  3. Let issuers know your travel dates and destination. If your card gets swiped at an unusual location, the card issuer may decline the suspicious transaction.
  4. Sign up for online banking alerts if offered by your financial institution. These will inform you when particular changes occur, such as irregular card activity.
  5. Stay away from ATMs that appear dirty or in disrepair. At best, such ATMs may not work when used, and at worst, may be fake machines set up to capture card information.
  6. Do not use ATMs with unusual signage, such as a command to enter your PIN twice to complete a transaction.
  7. Watch out for ATMs that appear to have been altered. If anything on the front of the machine looks crooked, loose or damaged, it could be a sign that someone attached a skimming device.
  8. Avoid using the ATM if suspicious individuals are standing nearby. Criminals may try to distract you as you use the machine to steal your cash, or watch as you type your PIN.
  9. Be aware that if your card gets stuck in the machine and someone approaches to help, it may be a scam. A criminal may be trying to watch as you enter your PIN code.
  10. If your card gets stuck in the machine, call your financial institution promptly to report the incident.
  11. As you key in your PIN, cover the keypad with your other hand to block anyone, or a camera, from viewing the numbers you type.
  12. And, Remember to check your balance on a regular basis

Protecting your debit or ATM card
Protecting your Visa®/MasterCard® debit or ATM card from fraud requires 24/7/365 days a year monitoring. Our fraud detection programs monitor your card transactions for any suspicious activity. If potentially fraudulent transactions are taking place, we’ll contact you immediately so that future fraudulent transactions can be avoided.

What we monitor
Your card transactions are monitored for purchases outside your normal purchasing patterns, unusual timeframes and geographical locations, or purchase patterns that are consistent with previously identified fraud trends.

How we contact you
Getting in touch with you quickly is critical to stopping any potential card fraud. 86% of Americans have a mobile device and this offers a convenient and free* method to contact you fast. With our Card Alert Notification service, you will receive a text message asking you to confirm if a suspicious transaction was authorized by you.

Receiving a text message
The text message will arrive with a 5 digit code (33748) and contain our financial institution name, dollar amount of the transaction and merchant name. You will be asked to reply with “Yes” if you authorized the transaction. You will receive a confirming text message and can continue to use your card with confidence. A “No” reply means you have not authorized the transaction.
You will receive a confirming text message and you will be contacted immediately by a fraud specialist to protect your account. Please answer this important call. Do not reply to the text message with any personal or confidential card information. If you would like to opt out of receiving these important messages by text, you may reply with STOP to indicate this preference.

Help us protect you
Keep us up to date with your current mobile and home phone numbers and contact information. Traveling in the U.S. or to a foreign country for an extended period of time? Contact us prior to your departure and we’ll make our monitoring more flexible during your travel or vacation time.

* Text messages to your mobile device are free, but all other fees on calls and texts are subject to the terms of your voice/data plan with your mobile carrier.

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This credit union is federally insured by the National Credit Union Administration.
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