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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.

SMCU Card Manager App

The SMCU Card Manager app can be download and accessed within SMCU’s Mobile Banking app. Use the Card Manager app to:

  • Get a variety of card controls – you can block and unblock your card, set transaction limits, and instruct us to decline certain transactions
  • Stay informed via text, email or push notifications with a variety of alert types
  • Let us know when you are traveling so you can have seamless card usage
  • Manage your PIN number and change it when it’s convenient for you
  • Link your cards to our digital wallets like Apple Pay®, Google Pay™ and Samsung Pay™
  • Get faster and convenient spending power by having your card digitally issued within the app

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
  • Traveling internationally? Look for these logos at ATMs to access cash. Note: Surcharges and exchange rates may apply. Use these ATM search tools to find a Plus/Visa ATM or Pulse ATM internationally.     
Plus text Logo    Pulse Logo   Visa Text Logo
 

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.

Visa Zero Lialibility Policy*

Be confident when signing for a purchase using your debit card. By signing for your transaction instead of using a PIN number, you're protected by the Visa Zero Liability Policy*. For transactions you haven’t authorized, we’ll reimburse 100%1 of the transaction amount, plus any related account charges resulting from such transactions.

Free Text Fraud Alerts

Text Fraud Alerts helps protect you by immediately texting you when potential fraud on your debit card occurs. There is no need to sign up, as all San Mateo Credit Union Visa® Debit Cards are enrolled. Benefits include:

  • Minimization of fraud exposure on your account
  • Being in control of knowing and detecting fraud faster
  • A free service to you, as a SMCU debit card holding member

You’ll receive an introductory text message that offers the opportunity to opt-in to future text fraud alerts. You just need to make sure at this time that your cell phone number and email are up-to-date.

How to update your cell phone and email:

  • Log into online banking and select “settings” at the top
  • Select Profile and click on Email and Phone Number
  • Answer the security prompt then update your information

How do free text fraud alerts work?

A text message will be sent to your cell phone when a suspicious transaction is identified on your San Mateo Credit Union Visa® Debit Card. You simply reply “yes” or “no”.

If you text:
“Yes” – your card will remain available for use
“No” – indicating that you believe this is not a purchase of yours, we will then text a number for you to call to validate the charge

If you are enrolled, but decide to opt-out please text the word “Stop” when receiving an interactive text. If you have any questions about this service, please call our Contact Center at (650) 363-1725 Monday through Friday, 8:00 am – 6:00 pm or Saturday, 9:00 am – 3:00 pm.

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.

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.

*Visa’s Zero Liability Policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa, including pin-based transactions.1SMCU must be notified within 60 days of the unauthorized transaction in order to qualify for 100% reimbursement.

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