Debit & Credit Cards

A credit card is linked to a line of credit with a specific limit. When you make purchases with a credit card, you are borrowing against this line of credit and agreeing to pay back any unpaid balance with interest. If you pay back the full balance of the credit card by the due date, you will not incur any interest.

A debit card is linked to your checking account. When you make purchases with a debit card, money is pulled from the available funds in your account. 


A debit card is linked to your checking account and allows you to make online purchases or at point-of-sale kiosks.

An ATM card can only be used at an ATM terminal or merchants that accept ATM transactions. We do not offer ATM cards.




The chip in our MasterCards provides additional security when used at a chip-enabled terminal.

With chip cards, your card or account information are never transmitted. Instead, a one-time security code is generated and sent to the card reader to confirm your purchases and keep your information safe. Similarly, you can also tap to pay at contactless terminals. These transactions will also generate a one-time code, instead of sharing your card number or account information with the terminal.


Yes, our cards have a magnetic strip as well as an EMV chip and contactless capabilities, providing you with convenient payment options at any payment terminal.


 

 

Card Controls makes it easy to activate your P1FCU debit card. 

  • Log in to your Digital Banking.
  • If you're not enrolled in Digital Banking, click for step-by-step instructions.
  • Select Card Controls in the quick menu.
  • Select your new card and enter the card information.

If this card arrived because your other card expired or was damaged, but your number stayed the same, you will continue to use your same PIN until you change it using Card Controls.

 


See all of our designs on our Debit MasterCard page.


Card Controls makes it easy to change or select your PIN. 

  • Ensure the correct card is selected and click Update PIN. 

If this card arrived because your other card expired or was damaged, but your number stayed the same, you will continue to use your same PIN until you change it using Card Controls.


For security purposes, we do not keep your P1FCU debit card PIN information. If you have forgotten your PIN, resetting your PIN can be done in moments using Digital Banking.

 

  • Log in to your Digital Banking.
  • If you're not enrolled in Digital Banking, click for step-by-step instructions.
  • Select Card Controls in the quick menu.
  • Ensure the correct card is selected and click Update PIN.

 

If this card arrived because your other card expired or was damaged, but your number stayed the same, you will continue to use your same PIN until you change it using Card Controls.


 




Requesting a new Debit Card can be done in moments using Digital Banking.

Log into your Digital Banking.  

If you're not enrolled in Digital Banking, click for step by step instruction.

Select Card Controls in the quick menu.

Ensure the correct card is selected and click Replacement Options.

Select the Reason you're wanting to replace you debit card.

Fill in the following information and select Continue.


We do not charge any fees for debit card or ATM transactions within the US. If you use a non-P1FCU ATM or one that is outside of our ATM network, the ATM owner may also assess a surcharge for the withdrawal.

There is a 1.1% international transaction fee for transactions made outside the US. 

See our Rate & Fee Schedule for a complete list of fees and service charges, including Overdraft Fees.


Follow these steps to pay your P1FCU credit card through Digital Banking:

  • Log into your Digital Banking.  

  • If you're not enrolled in Digital Banking, click for step by step instructions.

  • Select the Credit Card account tile
  • Click the Pay tile
  • Select the account you'd like to pay from
  • Ensure your credit card is selected as the To Account
  • Determine your payment total
  • Determine when you'd like your payment to process
  • Click Review your transfer.

Yes, you can use your P1FCU debit card anywhere that Mastercard is accepted.


Yes, MasterCard charges a 1.1% transaction fee for using your P1FCU debit card internationally. They charge a Currency Conversion fee of 0.2% and a Cross-Border Transaction fee of 0.9% of the transaction amount.


If your P1FCU debit card is lost or stolen, you can easily block your card with Card Controls.

  • Log into your Digital Banking.  
  • If you're not enrolled in Digital Banking, click for step by step instructions.
  • Select Card Controls in the quick menu.
  • Ensure Block this card is selected.
  • To replace your card, ensure the correct card is selected and click Replacement Options.
  • Select the Reason you're wanting to replace you debit card.
  • Fill in the following information and select Continue. 

There could be several reasons your P1FCU debit card is not working ranging from fraud protection to insufficient funds. For security reasons, please contact us so that we can check to see what is causing the issue.

If your card was restricted due to a fraud alert, please contact us at (855) 961-1602 or (727) 227-2447 (international).




There could be several reasons your PIN is not working, including insufficient funds or for fraud protection. For more information, contact us or stop by a branch for assistance with your debit card.


If you are receiving this message your card may be blocked or you may need to reset your PIN.  Please contact us for assistance.


There are several potential reasons your P1FCU debit card transactions may be denied, including failed PIN attempts, fraud prevention, or transaction/purchase limits.

For security purposes, contact us or stop by a branch for assistance with your debit card.


Some common issues that might be preventing you from using your P1FCU debit card include:

  • The magnetic strip is worn out
  • There are insufficient funds available
  • Your card is expired
  • You've exceeded your daily transaction or withdrawal limits
  • You're using the wrong PIN or you've had too many failed PIN attempts
  • Suspected fraud, especially when traveling
    • Your card will be restricted and you will receive a text or automated phone call if there is a fraud alert on your card 

If you are still unable to use your card, contact us or visit a branch for assistance.


Refer to our Rate & Fee Schedule for current replacement fees.

If your card is lost or damaged, please contact us. Replacing your card takes 7-10 business days through the mail. If you need it sooner, ask about alternative delivery options available. Additional fees may apply.






  • To report a lost debit card call 833-933-1681
  • To report a lost credit card call 833-541-0777

  • For debit card disputes call 866-279-1399
  • For credit card disputes call  888-829-6434

  • Card Controls makes it easy to activate your P1FCU credit card. 

    • Log into your Digital Banking. 
    • If you're not enrolled in Digital Banking, click for step by step instructions.
    • Select Card Controls in the quick menu.
    • Select your new card and enter the card information.

No. There is no fee for cardholders to update their cards via the card updating app.

The service will automatically and securely update your card information on file at the sites you have selected and provided the correct credentials.

Yes! End-to-end encryption means no one can access your sensitive information but you. ACU's security design exceeds Payment Card Industry Data Security Standard Services (PCI DSS) v3.2 requirements.

None of your personally identifiable information is stored during or upon completion of updating your sites. Your sensitive information is securely and permanently discarded once it is placed on the intended account you have chosen.

Your information is protected in transport with multi-level end-to-end encryption (256-bit SSL/TLS) - better than your bank security.

All Personally Identifiable Information (PII) and Payment Card Industry Data Security Standards (PCI-DSS) information is NOT kept. The only information kept is audit records about what payment methods were placed on which sites, but no account numbers, security codes, addresses, etc. are kept after the update completes.



















































































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