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Debit Card Facts

FSU Credit Union Visa Debit Card Facts

A Visa check card is a debit card that works like a check, only better. When you make purchases, the amount is deducted directly from your checking account — but you also enjoy added convenience and security protections.

Convenient and Secure

  • Each person on the account has their own card number and individual personal identification number (PIN). If one card is lost or stolen, it can be blocked while the other card on the account remains activated
  • Fraud security gives you more protection on both PIN and signature transactions.
    • Visa's Zero Liability Policy* protects you from unauthorized charges
    • Fraud Monitoring detects and prevents suspicious activity on your debit card.
    • Identity Theft Assistance helps you recover your identity and prevent further problems.
    • 3-Digit Security Code on the back of your card verifies your identity for Internet and phone purchases.
  • Verified by Visa: Offers additional password protection at select merchants to help make sure you're the only one who can use your card online.
      Verified by Visa
  • Choose your own PIN and change it over the phone when needed (maximum of one time per day).
  • Keep track of your transactions online. You are able to see outstanding authorizations (signature based) online via Virtuoso, FSUCU's online banking product.
    • A hold will is placed on the money in your checking account for the full amount of the transaction. FSU Credit Union staff are able to see the hold on our system and assist you with any questions regarding the transaction.

Visa Rule Change

  • Visa now allows merchants to route debit transactions through a PIN network even without a PIN being used.
    • Transactions processed in this manner do not carry the benefit of Visa's Security Program.

*Covers U.S.-issued check cards only. Does not apply to ATM transactions or PIN transactions not processed by Visa. Individual provisional credit amounts are provided on a provisional basis and may be withheld, delayed, limited, or rescinded by your issuer based on factors such as gross negligence or fraud, delay in reporting unauthorized use, investigation and verification of claim and account standing and history. You must notify your financial institution immediately of any unauthorized use. Transaction at issue must be posted to your account before provisional credit may be issued. For specific restrictions, limitations and other details, please consult your issuer. Additional information is also available at http://visa.com/security.

Credit and Debit Card Contacts
Lost/Stolen: 800-449-7728
Customer Service: 800-654-7728
Whether you are shopping around for the perfect certificate or are just looking for a new checking account, we have the options that you want. We specialize in creating accounts that meet your individual needs.
Are you ready to get a great rate on that perfect new or used vehicle? Well you have come to the right place because we create value for our members through our innovative loan products. We also offer great rates on our mortgage products.
With electronic services like Internet Banking, ATMs, touch-tone phone services, and debit cards you're able to access your Florida State University Credit Union account anytime -- 24-hours a day, 7 days a week -- to view cleared checks, transfer funds between accounts, reorder checks, make loan payments, receive cash, and much more.
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