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Card Services

VISA® Debit Card

Your Visa® Debit Card is your ticket to avoiding digging through your cash, or worse, writing a check. In addition to convenience, your card now offers increased security with Inspire EMV Chip Debit Cards!

Have questions about your EMV Chip Debit Card? Click here for our FAQ.

Visa™ Account Updater (VAU)

VAU is a new service provided to Visa debit and credit card users. If you have an auto debit set up, such as a utility or subscription service, Visa will automatically update your card information through the VAU service whenever your card information changes. No enrollment or activation required. 

When your cards expiration date or card number changes (such as a stolen or lost card reissue), Visa will update your new card information directly to merchants who participate in the program that you've authorized to charge your card. This service will only work with recurring payments and will only update to qualified participating merchants. Since not all merchants participate, we still encourage you to inform those merchants of any card changes to avoid account interruptions and potential late payments.

This is a free service provided to Visa account holders. If at any time you wish to opt out, please download our VAU Opt Out form and email a completed copy to our retail operations team or bring a completed copy to a branch near you.

To report a lost or stolen VISA Debit Card:

Call: 800-433-0505

After Hours: 800-991-4965

VISA® Gift Card

Give the gift of convenience and flexibility with a Visa Gift Card! Visa Gift Cards are perfect for any occasion: gift giving, graduation, birthdays, holidays, and more! Stop by either branch location to purchase a Visa Gift Card today!

Where can I use the Visa Gift Card?

The Visa Gift Card can be used anywhere Visa is accepted, with the exception of ATMs, gas pumps (pay at pump), hotels, and car rentals.

What amount can I place on the gift card?

The Visa Gift Card is available in dollar amounts from $10.00 up to $1000.00.

Is the Visa Gift Card available only for the holidays?

No, the Visa Gift Cards can be purchased at any time throughout the year.

Is there a fee?

Yes, Inspire FCU charges a $2.00 processing fee for each Visa Gift Card purchased.

Can I use the Visa Gift Card right away?

The Visa Gift Card will be available for use 24 hours after activation.

Can I reload the Visa Gift Card?

No, the Visa Gift Card is not reloadable.

To check your balance on your Visa Gift Card:

For more information, please contact a Member Service Representative at 215-788-5270 or stop by the Inspire FCU branch location.

Visa Gift Card Customer Care Service or to report lost/stolen cards: 866-264-2094

VISA® Travel Card

A better way to pay and manage all your travel-related expenses Accepted everywhere Visa credit cards are accepted around the world, the Visa Travel card offers a convenient and secure way to pay for travel expenses in place of paper traveler's checks when you travel! Plus, there is less risk if the card is lost or stolen than if you were carrying cash.

  • One time activation fee of $5.00
  • Accepted everywhere Visa credit cards are accepted around the world
  • 24-Hour access to cash through over 1 million Visa ATMs
  • Can be reloaded up to 3 times. Reloading process takes 3-5 days.
  • 24-Hour Internet and phone access to customer support
  • Funds will be replaced if card is lost or stolen
  • Available from $100 - $5,000
  • Ideal for domestic and international travel

Visa Travel Card Fees

  • Reload Processing Fee: $2
  • ATM Withdrawal: $1.50
  • ATM Balance Inquiries: $1.50
  • International ATM Withdrawal: $2
  • Denied: 50¢
  • Replacement Card: $5.00
  • Inactivity Fee after 10 Months: $5 per month
  • Cash Out Fee: $15
  • Cash Advance Fee: $5, daily limit of 2 per day or $1,000

Visa Travel Card Customer Service numbers

To check your balance, reload your Visa Travel Card, or report it lost or stolen, you may visit www.consumercardaccess.com/main/cutravel/home

  • Report a lost or stolen card: 877-850-9650
  • Travel Card activation: 877-850-9650
  • Balance inquiries: 866-833-2370
Prepaid VISA® Debit Card

The CU Money Prepaid Debit Card is a smart and cost-effective alternative to carrying cash and paying check cashing fees. Because it is a pre-funded card, you only spend the money you load on it. Simply purchase the Prepaid Debit card, load it with the cash amount you choose. Use it to make purchases and pay bills anywhere Visa debit cards are accepted, including in stores, online or over the phone.

How do I get a Prepaid Debit Card?

It's easy to get a CU Money Prepaid Debit card - purchase one from any Inspire FCU location.

How does my Prepaid Debit Card work?

Because it is a prepaid card, spending is limited to the amount of money you load on the card. Plus, because it carries the Visa logo, you can use it anywhere Visa debit cards are accepted – in stores, online or over the phone. Each time you use your card, the purchase amount is automatically deducted from your card balance. You may add money to the card at an Inspire FCU branch location. Reload fee is 50¢. Funds are available within 24-hours.

Do I need to activate my Prepaid Debit Card?

Yes. Simply call (877) 850-9650, on the card and use the default PIN (last 4-digits of your phone number). Follow the prompts to change your PIN# and active your card.

What should I do if my Prepaid Debit Card is lost or stolen?

Report lost or stolen cards immediately to: Customer Service (800) 304-2273, option 1, option 1 again. You will need your cardholder name, card number, or SS#, and tell the representative the problem. New Card issue: $5 fee (deducted from the card). Replacement cards are mailed within 7-10 business days. We recommend that members should make a note of the toll-free number and keeping it in a safe place in case both your card and the accompanying materials are lost or stolen.

Where can I use my Prepaid Debit card?

You can use your card online, over the phone and at the millions of places that accept VISA® debit cards--including supermarkets, pharmacies, clothing stores, drug stores, and more. There are some guidelines for special transactions that you should be aware of before you shop - refer to the next two questions for more information.

Are there any special types of transactions I should know about before I shop?

Yes. There are several different types of transactions for the following situations:

  • Gas Stations - Paying at the pump may cause a hold of up to $75 or more; consider paying inside with the attendant for the exact amount and signing the receipt instead.
  • Restaurants - Restaurants may verify you have enough money on your card for the dining bill. Make sure you have enough funds to cover any added tip.
  • Hotels - Hotels may put a "hold" on the amount of your estimated bill, making that amount unavailable for other purchases. When you check out, that hold may take a few days to be removed.
  • Auto Rentals - You may use your card for final payment for a rental car bill, but a credit card may be necessary to reserve a rental car.
  • Returning purchases - Store return policies may vary. You may receive a credit to your card, a cash refund or even a store credit, depending on the particular store. A credit to your account may take up to one week to process before it's available for use.
  • Paying Bills – Pay just about any one-time or recurring bill.

Is there a limit to the amount of money I can add to my Prepaid Debit Card?

Yes. The minimum amount to load is $10. The maximum load is $5,000.

What should I do when I've spent the original amount I put on the card?

In most cases, you can simply add more money to your card. It's called "reloading" your card and you can do it at either Inspire FCU location, 50¢ fee (deducted from the card balance). Money will be available within 24-hours.

Keep your card – even after the balance is depleted and you decide not to add additional money to it --in case you need to return any purchased items. You might be asked to present the card when returning items purchased with the card.

How do I make a purchase with my Prepaid Debit Card?

Be sure to know your card balance before you shop as most merchants cannot determine it for you. At the time of purchase, give the card to the cashier and ask to sign the purchase receipt. Or, swipe the card through the keypad and push the "credit" button, then sign the receipt. Each time you use your card, the purchase amount is automatically deducted from your card.

To get cash back when making a purchase, swipe your card and choose the "debit" button, then select the cash back amount you want from the screen options, enter your PIN, and take your cash and receipt to keep track of your balance.

How do I know the balance on my Prepaid Debit Card?

You can check the balance on your card by calling: (877) 850-9650 or login towww.cumoney.com.

What if I want to purchase an item that costs more than the balance on my Prepaid Debit Card?

To make a purchase greater than the balance on your card, you will need to use a second payment method--cash, check, or credit card--to cover the difference. If you try to purchase an item of greater value than your card balance, your card will be declined.

What should I do if my Prepaid Debit Card is declined?

If a transaction is declined, the merchant will let you know. To help prevent this, keep track of your balance by visiting the web site: www.cumoney.com or phone number provided with your card.

What if I change my mind and want to cancel a purchase?

If the merchant cancels a transaction at your request, it may take three to seven days for the authorization hold to be removed from your card.

What if I need to return an item that I purchased with my Prepaid Debit Card?

Present your Visa Prepaid Debit Card at the time of a merchandise return. If the merchant's return policy allows it, the merchant will credit the amount of the purchase back onto your card.

Remember to save your purchase receipts and your card even after the funds have been depleted, in case you have merchandise returns. When returning an item purchased online, have your card number available in order to process the return. The merchandise value will be credited back to your card within three to seven business days.

How long can I use my Prepaid Debit Card?

You can make purchases using your CU Money Visa Reloadable Prepaid card until the expiration date shown on the card, or until the value of the card has been depleted. Once your balance on your card has been deleted, you can add more money to your card at the Inspire FCU branch location.