VISA / Debit

Notice of Change to MasterCard Rules found in the Electronic Funds Transfer Disclosure 
The new MasterCard liability rules make the following revisions effective October 17, 2014:

  • The zero liability rule will now apply to all transactions conducted with a MasterCard branded card, including PIN-based transactions at Point-of-Sale and ATM.  Previously, zero liability only applied to Point-of-Sale transactions.
  • A cardholder will not be liable for any unauthorized transaction, as long as the cardholder has exercised reasonable care in safeguarding the card from risk of loss or theft, and, upon becoming aware, promptly reporting the loss or theft to the issuer.  Previously, if the above conditions were not met your liability was the lesser of $50 or the amount of property, labor or services obtained by the unauthorized use prior to your notification to us.  This maximum of $50 has been removed.

If you are travelling:
To avoid issues using your Debit and/or VISA card, contact EPCU Before you travel.
You can simply call us at:  734-242-3765 or 800-732-1921 or
Print this form and follow the instructions:  Travel Notification

VISA Payment Remittance Address Effective 02/01/2014

P.O. Box 4519
Carol Stream, IL 60197-4519

Report lost/stolen VISA 
800-828-3901 (24/7)
734-242-3765 (M-F 9-5)

VISA PIN Personalization: 866-297-3408
VISA Customer Service: 800-828-3901
VISA Card Activation: 800-456-6870
VISA ScoreCard Travel Services: 855-483-5005
VISA ScoreCard Customer Service: 800-854-0790

Report lost/stolen MasterCard Debit
During credit union hours call 800-732-1921 or 734-242-3765
After credit union hours within the U.S. call 888-241-2510.
After credit union hours outside the U.S. call 909-941-1398.

Click here to print a Visa Application

Click here to view your Visa and Mastercard Debit Scorecard Rewards
Web Support for Scorecard Rewards:  800-854-0790

Manage your card account online. It's free! It's easy!
Simply go to and enroll in our online service.

Web Support for EzCardInfo:  866-604-0380

Click here to print a Debit Application

EPCU is pleased to offer you two VISA credit card programs:

 VISA Classic:

  • No Annual Fee
  • 25-Day Grace Period
  • 11.97% APR
  • $250,000 Travel Accident Insurance
  • Worldwide ATM Cash Advances
  • Worldwide Acceptance
VISA Platinum:
  • No Annual Fee
  • 25-Day Grace Period
  • 4.9% APR for 1st 6 months then 9.75% APR Thereafter
  • Limits Start at $3,000
  • $1,000,000 Travel Accident Insurance
  • Worldwide ATM Cash Advances
  • Worldwide Acceptance
  • ScoreCard Bonus Points
  • Easy Switch from Classic to Platinum
You can:
  • Review account information
  • Track pending
  • Set alert notifications
  • Download files
  • Pay your VISA payment
  • Pay other bills using your VISA card
  • Managing your account is fast, secure and easy with ezcardinfo. Enroll today!
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Frequently Asked Questions

I want to protect my identity, why can't I write "SEE ID" on the back of my card instead of my signature?

If you do not sign your card, you are not covered by the Mastercard charge back rights. Therefore, you are more protected by signing the card. With the debit card, you are not required to show your ID unless you are getting cash back, so the seller is required to compare the signature on your card with the signature on the receipt.

Where can I use my debit card?

ANYWHERE that accepts Mastercard. This includes but is not
limited to:

a. Restaurants
b. Movie theaters
c. Online purchases
d. Airline ticket purchases
e. Department stores
f. Gas stations
g. Car Rental
(you can pay for the rental, however, you cannot use the card to
HOLD the reservation)
h. ATM machines

Why does EPCU have credit scoring requirements for debit cards?

The debit card is a Mastercard product that withdraws the funds from the members checking instead of sending a monthly bill. When the member selects "credit" when using the card, there can be a 3 day lag time before the transaction is processed. This is technically a short term loan for the members.
The member does not have the option of just not selecting credit.

Does the debit card replace my ATM card?

Yes - any existing ATM cards will be deleted 30 days after the member receives their debit card.
The debit card WILL work at an ATM machine and can withdraw or deposit funds to/from regular savings and/or primary checking.
When the member receives their debit card, they must first use it at an ATM machine to activate it.

If I choose "CREDIT" does it still come out of my checking account?

YES! Any time the member uses their debit card, the money will be taken from their checking account regardless if they choose debit or credit.

Why should I choose "CREDIT" instead of "DEBIT"?

By choosing "credit", you retain your chargeback rights through Mastercard.
Choosing "credit" will recognize your overdraft loan, Choosing "debit" will not. See the following example:

  Credit Debit
Checking Account Balance $100 $100
Available Overdraft Amount $500 $500
Purchase Amount $150 $150

Why is there a difference between my balance and my available balance on my checking account?

When you make a "credit" purchase, a hold is placed on your account for the balance. The difference between your balance and your available balance will be the amount of your outstanding "credit" purchases. This hold will clear after the purchase is posted to your account. This will take no longer than 3 days.
If you do not have enough in your checking to cover a purchase, a hold will be placed on your overdraft loan in $1 increments to cover the purchase price. For example:

  • Checking Account Balance Available Before Purchase $100
  • Available Overdraft Amount Before Purchase $1000
  • Amount of Purchase $125
  • Checking Account Balance Available After Purchase $0
  • Available Overdraft Amount After Purchase $875
I have enough money available, but my transaction was declined. Why?

There could be several reasons for this including:

  • If you move and do not change your address with EPCU, the merchant may decline your transaction when they check your zip code for authenticity. FIX: Change your address (in writing) with EPCU).
  • You may not have as much available as you think. Remember, if you make a checking account deposit through an ATM, only the first $100 is available immediately - the rest will not be available for 3 days. FIX: Make sure you have enough funds available before attempting to purchase - remember, you can check your balances with Homebanking or Voice Response.
  • The EPCU system, Mastercard system or merchant system may be temporarily down. In the event that this happens, you will have a reduced amount available to you. FIX: Wait an hour and try again. These systems rarely go down, and when they do they are usually not down for long.
  • The magnetic strip on your card has stopped working. This can happen for a number of reasons including scratching, cracking, demagnetizing, etc. FIX: Contact your accounting department at EPCU to order a new card.
  • You selected "debit" and are using the wrong PIN number. FIX: Select "credit" and sign for the transaction. Contact your accounting department at EPCU to have your PIN sent to you again.
  • If you have negative share accounts or delinquent loans with EPCU, your debit card will not work. FIX: Bring loans and share accounts current.
  • This Credit Union is Federally Insured by the NCUA Top ↑