• Debit Card FAQ

    • My debit or credit card expires soon. Will Kitsap Credit Union send me a new one automatically or do I have to request it?

      Your debit or credit card is good through the last day of the month that your card expires and we will automatically send you a new one the month prior to your expiration date. Thank you.

       

    • What is the difference between a Credit Card and a Debit Card?

      A debit card is linked to your checking account and draws from the available money within the linked account. When you use your debit card, funds are immediately withdrawn.

      A credit card allows you to borrow money from a limited line of credit offered by a financial institution. Each month you will receive a statement specifying your purchase amounts and details, as well as the minimum payment due. If you do not pay off your credit card in full each month you will be charged interest on the money you owe.

       

      A credit card for whatever life throws at you

      Look no further! Whether your priority is simplicity, cashback, or special perks, you'll find a card with fewer fees, a competitive rate, and the backing of Visa. We've combined the flexibility, security, and worldwide acceptance you've come to expect from Visa with our cooperative mindset, for a card that puts you first.

      Please visit our Personal Visa Credit Cards page for more information and get started today!

       

    • What's the difference between a debit card and an ATM card?

      A debit card is linked to your checking account and draws from the available money within the linked account. When you use your debit card, funds are immediately withdrawn.

      An ATM card can only be used at an ATM terminal to withdraw or deposit money. On rare occasions, certain merchants may accept ATM transactions.

      Kitsap Credit Union only currently offers debit cards with the VISA logo. 

       

       

    • How do I activate my debit card?

      You can activate your debit card by calling our card activation line at 1-800-316-5996. Or TDD/TTY 1-866-309-4937 or 1-866-317-9343.

       

      Keep track of your account with Online Banking!

      You can also use Online Banking to open a new account, apply for a loan, transfer funds, pay bills, deposit checks by taking a photo with your phone, view your eStatements, set up text or email account alerts, and more!

      Learn how to Set Up Your Online Access and enjoy the convenience of banking in the comfort of your own home.

      You can also enjoy on-the-go access by downloading the app today!

    • How do I order a new debit or credit card?

      You can call or chat with us to place an order for a new card to be mailed to you. You can also visit one of our branch locations and they can instantly issue a new card on the spot.

      Contact us: https://www.kitsapcu.org/contact-us/
       

      Think your account may have been compromised?

      If you think your account has been compromised, please contact us at 800-422-5852. You can also log into Online Banking and use card management to quickly turn your cards on or off.

      We care about your financial security and well-being. To learn more about securing your account, visit our Account Security page.

       

    • How much does it cost to replace my debit card?

      Please review our current Rate & Fee Schedule for the card replacement fee.

       

      Stay one step ahead of fraud with Card Management.

      https://www.kitsapcu.org/personal/card-management/

       

    • What is my PIN for my debit card?

      For security, we do not save your debit card PIN. If you have forgotten your PIN, you can contact us and we can help you get another one.

       

    • What do I do if my Debit Card personal identification number (PIN) does not work?

      Please contact us at your earliest convenience using the following methods. We would like to review your account with you to make sure everything is as it should be and review some options for you.

      • Online: Sign in to Online Banking to use Live Chat or send a Secure Message by clicking on the Contact Us link on the top right.
      • By Phone: Speak with a Member Specialist by phone 24 hours a day by calling 800-422-5852
      • In-Person: Visit one of our branch locations

       

      Think your account may have been compromised?

      If you think your account has been compromised, please contact us at 800-422-5852. You can also log into Online Banking and use card management to quickly turn your cards on or off.

      We care about your financial security and well-being. To learn more about securing your account, visit our Account Security page.

       

    • Can I select my own PIN for my debit card?

      Yes! We have options for you to select your own PIN after you have received your card. Please contact us at one of the options below for more information:

      • Online: Sign in to Online Banking to use Live Chat or send a Secure Message by clicking on the Contact Us link on the top right.
      • By Phone: Speak with a Member Specialist by phone 24 hours a day by calling 800-422-5852
      • In-Person: Visit one of our branch locations

       

      Haven’t signed up for Online Banking?

      With Online Banking you can check balances, open a new account, apply for a loan, transfer funds, pay bills, deposit checks by taking a photo with your phone, view your eStatements, set up eMessenger text or email account alerts, and more!

      Learn how to Set Up Your Online Access and enjoy the convenience of banking in the comfort of your own home.

       

    • I am receiving a "bad PIN" error message at the ATM; what does that mean?

      If you are receiving this message, your card may be blocked, or you may need to reset your PIN. So we can review your account and assist you with resetting your pin, please contact us.

      Think your account may have been compromised?

      If you think your account has been compromised, please contact us at 800-422-5852. You can also log into Online Banking and use card management to quickly turn your cards on or off.

      We care about your financial security and well-being. To learn more about securing your account, visit our Account Security page.

       

    • My card is being denied at the merchant, what do I do?

      There can be several reasons that a card would be denied. 

      We would like to review your account to find the reason specific to you, so please contact us.
       

      Think your account may have been compromised?

      If you think your account has been compromised, please contact us at 800-422-5852. You can also log into Online Banking and use card management to quickly turn your cards on or off.

      We care about your financial security and well-being. To learn more about securing your account, visit our Account Security page.

       

    • Who do I call if my card is restricted?

      Please contact us so we can review your account for the reason your card is restricted. There are several options for you to contact us:

      • Online: Sign in to Online Banking to use Live Chat or send a Secure Message by clicking on the Contact Us link on the top right.
      • By Phone: Speak with a Member Specialist by phone 24 hours a day by calling 800-422-5852
      • In-Person: Visit one of our branch locations

       

      Think your account may have been compromised?

      If you think your account has been compromised, please contact us at 800-422-5852. You can also log into Online Banking and use card management to quickly turn your cards on or off.

      We care about your financial security and well-being. To learn more about securing your account, visit our Account Security page.

       

      Please contact us so we can review your account for the reason your card is restricted. There are several options for you to contact us:

       

      Think your account may have been compromised?

      If you think your account has been compromised, please contact us at 800-422-5852. You can also log into Online Banking and use card management to quickly turn your cards on or off.

      We care about your financial security and well-being. To learn more about securing your account, visit our Account Security page.

       

        • Online: Sign in to Online Banking to use Live Chat or send a Secure Message by clicking on the Contact Us link on the top right.
        • By Phone: Speak with a Member Specialist by phone 24 hours a day by calling 800-422-5852
        • In-Person: Visit one of our branch locations

    • What should I do if my credit or debit card is declined and I know that the funds are available?

      There may be several reasons why your card is being declined. We would like to review your account to find the reason specific to you. Please contact us at your earliest convenience. There are several options for you to contact us:

      • Online: Sign in to Online Banking to use Live Chat or send a Secure Message by clicking on the Contact Us link on the top right.
      • By Phone: Speak with a Member Specialist by phone 24 hours a day by calling 800-422-5852
      • In-Person: Visit one of our branch locations

       

      Keep track of your account with Online Banking!

      With Online Banking you can check balances, open a new account, apply for a loan, transfer funds, pay bills, deposit checks by taking a photo with your phone, view your eStatements, set up eMessenger text or email account alerts, and more!

      Learn how to Set Up Your Online Access and enjoy the convenience of banking in the comfort of your own home.

       

    • Why are my debit transactions being denied so often?

      There are several potential reasons your card keeps being denied. For security reasons, the specifics of your situation must be dealt with in confidence. Please contact us at your earliest convenience. There are several options for you to contact us:

      • Online: Sign in to Online Banking to use Live Chat or send a Secure Message by clicking on the Contact Us link on the top right.
      • By Phone: Speak with a Member Specialist by phone 24 hours a day by calling 800-422-5852
      • In-Person: Visit one of our branch locations

       

      Protect yourself with Overdraft Protection!

      Give yourself extra protection against bounced checks and denied debit card transactions. We offer to link the following to your checking account as overdraft protection:

      Once you've decided which method to use, click on the Apply Now! button to start the application process today.

       

    • How can I block my debit or credit card on the mobile app?

      Yes, you can cancel the card or shut it off temporarily. 

      Once you've logged in simply select "Card Management" from the "More" menu and you will see a list of your active KCU debit and credit cards. You have the freedom to turn your card "on" and "off", report your card stolen, or cancel a card.

       

    • How do you determine exchange rates for foreign transactions?

      Purchases made in foreign countries will be billed to you in U.S. dollars. The currency conversion rate for international transactions as established by VISA International, Inc. is a rate selected by VISA from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate VISA itself receives, or the government-mandated rate in effect for the applicable central processing date.

      In addition, you will be charged a Foreign Transaction Fee, which is a percentage of the transaction amount for any card transaction made in a foreign country, as disclosed on the Rate and Fee schedule.

      For more information or additional assistance please call 360-662-2000 or 800-422-5852 to speak with a Member Specialist, or visit one of our local branches.

       

      Planning to travel outside of the US?

      Make sure you set a Travel Notice for any cards you plan to use while outside of the country. To do so, use the Card Management option in your Online Banking to set start and end dates for your international trip. If you’re unable to do so, please notify us ahead of time so that we can make a note on your account and avoid any interruptions regarding the usage of your card.

      Contact us: https://www.kitsapcu.org/contact-us/

    • What are the ATM/Debit Card fees?

      If you are a member of Kitsap Credit Union, it is free to withdraw from your Kitsap Credit Union account when you use any ATM owned by Kitsap Credit Union.

      A fee will be assessed to your account when you withdraw cash or make a transfer from an ATM that is not owned by Kitsap Credit Union or is not part of the Co-Op ATM network. The fee is based on our current Rate and Fee Schedule and is in addition to the fee charged by the ATM terminal you are using.

      Visit an ATM location near you!

      Tip: If you use your Debit card, you can also receive cash back when you use it at a retail location. Just select the cash back option at the time of purchase. Retailer may charge fee or have limits on amount of cash back that can be taken. Ask the retailer for details.

    • What do I do if my debit card does not work?

      Please contact us at your earliest convenience. We would like to review your account with you to make sure everything is as it should be and review some options for you.


      Think your account may have been compromised?

      If you think your account has been compromised, please contact us at 800-422-5852. You can also log into Online Banking and use card management to quickly turn your cards on or off.

      We care about your financial security and well-being. To learn more about securing your account, visit our Account Security page.

       

    • What should I do if I receive a call/text from a number I do not recognize asking to verify recent transactions on my account?

      You may have been notified by the Visa Fraud Protection Service, which is a trusted partner of Kitsap Credit Union. This service helps identify and prevent fraudulent transactions and would text you from 32874 or call you from 1-877-902-4806.

       

      Think your account may have been compromised?

      If you think your account has been compromised, please contact us at 800-422-5852 or log in to Online Banking and use card management to quickly turn your cards on or off.

      We care about your financial security and well-being. To learn more about securing your account, visit our Account Security page.