A debit card1 makes shopping and traveling easier. It works like a check and gives you 24-hour worldwide access to your checking funds at merchants and ATMs.
If your debit card is lost or stolen, turn it off in the Manage Your Card section of Online Banking and report it by calling Cardholder Services toll-free 24-hours a day, 7 days a week:
To activate your debit card, call 866-985-2273
If you have a Virginia Credit Union checking account and are at least 15 years old, just call Member Services at 804-323-6800 or 800-285-6609, send a secure message within online or mobile banking or visit a VACU branch to request a debit card. We can also help you open a checking account if you don't have one.
There are two ways to choose your PIN:
Yes, there is a $500 daily cash withdrawal limit and $1,000 daily limit on point of sale purchases. There is also a $10,000 daily limit and a daily limit of 20 transactions on signature based transactions.
To receive rebates up to $8 per month, just be sure to withdraw from your checking account with your debit card and have either a qualifying direct deposit or 15 debit card purchase transactions that month3. For more information, see our ATM FAQs.
This is a transaction that has been submitted by a merchant for authorization but has not yet been posted to your account and deducted from your current balance. Please remember that when you initiate a transaction at a merchant and we authorize it, we will immediately reduce your balance that is available for your next transaction.
Some gas stations submit amounts for card authorizations that are less or more than the final purchase amount. As with other debit card purchases, you are responsible for having the necessary funds in your account when the final transaction comes through.
Some pay-at-the pump gas stations may submit a larger initial amount for authorization, such as $75 or $100, to see if you have funds to pay for a fill-up. Those pre-authorizations may result in an additional temporary hold on your account that could be for a few hours or even several days. If you’re concerned that a merchant may submit a larger authorization hold amount on your checking account than you’re comfortable with:
If you don’t have the available funds for the amount authorized, your transaction may be declined. You may avoid this by signing up for Overdraft Protection transfers from savings or a line of credit, and/or you may authorize VACU to consider paying overdrafts on ATM & debit card transactions. Please be aware that fees apply for Overdraft Protection transfers & if you have authorized VACU to consider paying ATM & debit card overdrafts.
Turn your card off in the Manage Your Card section of Online Banking and call Cardholder Services toll-free 24-hours a day, 7 days a week to report it:
The Electronic Funds Transfer Disclosure you received with your card has complete details. Safeguard your PIN. Don't keep it in your wallet, checkbook, or anywhere else near your debit card.
Call Cardholder Services toll-free 24 hours a day at 866-820-8785. A representative will take your report and mail you the necessary forms to complete and return. In the case of merchant errors, it may also be possible for you to correct the error by contacting the merchant directly.