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Visa® Debit Card

Big or small, pay for it all

With the San Mateo Credit Union Visa® Debit Card in your wallet, you can pay quickly, safely, and be on your way in no time.

Use wherever Visa® is accepted

Whether you’re down the street, down in Southern California, or vacationing down under, your SMCU debit card can be used anywhere Visa® cards are accepted. In stores or online, you’re covered.

You’re in control

Purchases made with your card are withdrawn from your checking account, so you can easily track your spending using Online Banking or Mobile Banking, right from your phone. And, you can set up account alerts to keep track of card activity.

Helpful debit card features

  • Apple Pay™ compatibility
  • Access to ATMs worldwide, including 30,000+ surcharge-free CO-OP ATMs in the U.S.
  • No monthly or annual fees

Your San Mateo Credit Union Visa® Debit Card comes with EMV chip technology, too. It’s the latest and most advanced way to protect your account and your identity.

What if my debit card is lost or stolen?

Don’t worry. SMCU debit cards come with zero liability protection, which means you won’t be liable for unauthorized transactions if your card is stolen, lost, or used fraudulently. Report your card lost or stolen right away by calling SMCU at (650) 363-1725 or after hours (888) 241-2510.

You’ll receive a Visa® Debit Card when you open any checking account. Open an account online or stop by one of our San Mateo branches.

Real-Time Debit Card Fraud Alerts

Fraud Alerts help protect the money in your SMCU checking account by immediately sending you a text message or email when SMCU notices a suspicious purchase made on your debit card -- no matter what time it is.

When you receive a text or email alert, simply reply "Yes" or "No"

  • Yes = you made the purchase; your card will be unblocked and become available for use
  • No = you do not recognize the purchase; additional transactions on your card will be blocked until we call you between the hours of 8:00am and 9:00pm PST to discuss options and next steps

If we can't reach you by text or email, or don't receive a reply, we'll call your cell or primary phone number between the hours of 8:00am and 9:00pm PST. 

Have questions about this service? Please see the FAQs below or call our Contact Center at (650) 363-1725 Monday through Friday, 8:00am – 6:00pm or Saturday, 9:00am – 3:00pm. 

Real-Time Debit Fraud Alerts FAQs
Depending on the contact information we have in your member profile, we will try texting first, then callling your cell, then an email, and finally a personal phone call. If we do not receive a response via text or email, or are unable to use those methods, we will call your primary phone between the hours of 8:00am and 9:00pm PST.
To see or update your contact information you can take the following actions:
  • Cell Number: Please call us at (650) 363-1725 or visit any branch. You cannot update this number online; an SMCU representative must assist you.
  • Email Address: Please log into Online Banking, click "Settings" at the top, then "Profile," and then "Email and Phone Number." You can also call (650) 363-1725 or visit any branch.
  • Primary Phone: Please log into Online Banking, click "Settings" at the top, then "Profile," and then "Email and Phone Number." You can also call (650) 363-1725 or visit any branch. Note that even if you set your cell number as your "Primary Phone" number, it will not receive text message fraud alerts unless it is also set as your "Cell Number" by an SMCU representative. 
No, you do not need to opt in. You are automatically enrolled if SMCU has your cell number or email address on file. If you do not have either on file, or do not know what information is in your profile, please see the answer to the question right above this one.
If you receive a fraud alert via text message and wish to opt out of receiving messages by text, you can reply "STOP" at any time. Fraud Alerts will then be sent only to your email address or to your Primary Phone Number. You cannot opt out of phone calls.
Yes. You will not be charged by SMCU or your cell service provider to receive or send these text messages.
AT&T, Boost Mobile, Sprint, T-Mobile, Verizon and Virgin Mobile. Third party text services such as Skype and Google Voice will not be able to receive the text messages as the service is with the primary carriers only.
You'll receive a text message from 328-74 that appears to you like the following sample:
Additional Information
Visa® Signature
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