Introducing SMCU's Visa Preapaid Debit Card

San Mateo Credit Union's Visa Prepaid Debit Card

SMCU Visa Prepaid Debit Card Cardholder Login
SMCU's Visa Prepaid Debit Card Account Fees and Charges
Enrollment Fee: $4.95
Secondary Card Fee: $4.95
Card Replacement/Reissue Fee: $10.00
Emergency Card Fee: $35
ATM Transaction Fee: $1.00 (first 3 per month are free)
Monthly Maintenance Fee: $2.00
Express Delivery Fee: $20.00
Reload Fee: $2.00 (first 3 per month are free)
Live Agent Call Fee: $3.00 (first call per month is free)

SMCU's Visa Prepaid Debit Card is a reloadable prepaid debit card accepted anywhere Visa debit cards are accepted. Whether used by the world traveler or for a student, this alternative to cash allows you the flexibility to spend up to the value placed on the card and reload using a San Mateo Credit Union account. This Visa Prepaid Card is not a credit card so there is no bill to pay at the end of the month. 

This debit card does not directly debit purchases from a checking account. This is a prepaid debit card, where funds are placed onto a reloadable card. It's a perfect option for parents to monitor a minor or student's spending or for the traveler looking for a card for accessibility and emergency purposes. 

Review the Prepaid Card Account Fees and Charges and see if this option is right for you. By ordering a personalized Visa Prepaid Debit Card, you'll have the opportunity to have certain features not available when purchasing a non-personalized card such as unlimited reloads and access to adding payroll deposit to your card. Personalized Visa Prepaid Debit Cards can be ordered by clicking here or the Cardholder Login banner to the right.

If you have a question or need someone to help explain how a feature on your Visa Prepaid Debit Card works, call (855) 657-8588, 24 hours a day, 7 days a week where a representative from Card Support can assist you with Visa Prepaid Debit Card questions. You can also visit an SMCU branch. Click here to view locations and hours.

Initial load amount(s) range from a $50.00 minimum through a $5,000.00 maximum. Personalized cards can be reloaded unlimited times however a limit of three (3) reloads per day in a seven (7) day period. Non-personalized cards can only be reloaded three (3) additional times after the initial load. Reload maximum is up to $15,000.00. The San Mateo Credit Union (SMCU) Visa Prepaid Debit Card is not a credit card. You may use this prepaid debit card when there is a balance remaining on the card and only up to the amount left on the card. Purchases will be deducted from the prepaid debit card until the value reaches zero. If you are given value through the use of the card greater than the balance remaining you will pay San Mateo Credit Union, on demand, the amount by which your transactions exceeded the balance on the prepaid debit card. To make a purchase greater than the balance remaining or available on your prepaid debit card, you will need to use a second payment to cover the difference. Prepaid debit cards may not be used at some merchants including non-financial money exchange establishments and gambling establishments. Some merchants, like gas stations, restaurants, hotels or rental car agencies may attempt to submit authorizations against the prepaid debit card for an amount greater than the actual purchase amount. If a merchant attempts an authorization greater than the balance remaining, your transaction may be declined. 

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