ATM and Debit Cards

Enjoy the convenience of a Degussa Employees FCU VISA Debit Card - call us today! 

New Overdraft Rules for Debit and ATM Cards

New Federal Reserve rules give debit and ATM card users additional options regarding overdrafts. In the coming months, Degussa Employees Federal Credit Union along with other banks, credit unions, and other financial institutions must offer you the ability to make decisions about overdrafts for transactions made with your debit or ATM cards.

We want you to be aware we will no longer be able to pay overdrafts on your one-time debit transactions or ATM transactions UNLESS we receive your consent to “opt-in” by August 15, 2010.

• Have you ever made a mistake in your checkbook, which led you to spend more money than you actually had?
• Have you and your spouse ever unknowingly made debit card purchases at the same time without having enough funds in your account to cover both of your purchases?
• Have you ever needed cash fast from the ATM but your paycheck had not been deposited into your account yet?

If you answered “yes” to any of these questions, chances are you were still able to make your purchase(s) or obtain your funds thanks to DEFCU’s Standard Overdraft service. Our Standard Overdraft is designed to cover your overdrafts saving embarrassment and the extra hassles in your already busy day. DEFCU pays overdrafts for the following transactions: one-time debit transactions (point-of-sale), ATM transactions, checks, and other transactions made using your checking account number.

Be sure to pick up an “Opt-In” consent form at the credit union. 

Don't Worry - You're Protected! 

Don’t worry! You’re protected using your DEFCU VISA Debit Card!

Did you know that you have built-in fraud protection when you shop with your DEFCU Visa Debit Card? When you press ‘credit’ at the keypad and sign for your purchases, you are protected by Zero Liability. One of the many benefits of your DEFCU Visa Debit Card is 100% protection against unauthorized use of your card if it’s ever lost or stolen. ***

***  Eligible transactions include most purchases made with your debit card that do not require a personal identification number (PIN). U.S.-issued cards only. Cardholder must notify issuer promptly of any unauthorized use.

 

Surcharge-Free ATM's

Degussa Employees FCU Participates in the MoneyPass Network.  MoneyPass is a network of Elan Financial Services, one of the nation’s leading providers of comprehensive ATM and debit card processing solutions for financial institutions, Independent Sales Organizations and retailers.  MoneyPass provides surcharge free access at more than 16,000 ATMs across the United States; allowing cardholders of participating financial institutions to access their money where they live, work and travel. With over 1,100 participating financial institutions, more than 20 participating Independent Service Organizations (ISOs) and 36 million active cards, MoneyPass is a rapidly growing surcharge-free network whose emphasis is on cost efficient membership options, flexible terms and accessible locations. For more information, call 1-800-343-7064 or visit www.moneypass.com for ATM’s in your area.