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.
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.
Call the activation hotline at (877) 205-1116 to activate your card. 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.
See all of our designs on our Debit MasterCard page.
Yes! To change your PIN, call (877) 205-1116 or visit any P1FCU ATM.
If you have forgotten your current PIN, contact us and one of our representatives will help you reset your PIN.
For security purposes, we do not keep your debit card PIN information. If you have forgotten your PIN, contact us and we'll assist you with resetting the PIN.
Yes! We offer several ways to pay with your P1FCU MasterCard using Apple Pay, Google Pay, or Samsung Pay. Add your debit card into your mobile wallet app to get started.
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 Online and Mobile Banking:
- Log in to Online Banking
- Select the Credit Card account tile
- You will be redirected to the online credit card servicing site where you can make your payment
Yes, you can use your debit card anywhere that Mastercard is accepted.
If your debit card is lost or stolen, please stop by a local branch or call us immediately at (208) 746-8900 or after business hours at (833) 933-1681.
You can also disable your card by contacting us through another secure channel.
There could be several reasons your 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 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 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.
Follow the steps below to update your debit card in CardSwap:
- Log in to Online Banking
- Click on the Transactions tab on the left navigation bar.
- Click on CardSwap.
- Click Swap Card.
- Fill out the new card information
- Click Verify Card.
Explore our FAQs for quick answers to your questions about P1FCU.
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