Debit Cards

If you received this message, your card may be locked, or you may need to reset your personal identification number (PIN). There are multiple ways to reset your PIN.

In Digital Banking

• Go to Card Center > Digital Card Controls > Set/Reset PIN. We’ll send you a Secure Access Code to complete a PIN change.

By phone

• If you reside within the U.S.: You can reset your card PIN yourself by calling 888.891.2435. Be sure to call from the phone number we have on file at Stanford FCU.
• If you reside outside the U.S.: Go to Card Center > Digital Card Controls > Set/Reset PIN. We’ll send you a Secure Access Code to complete a PIN change. If you need further assistance, please call 650.723.2509 or 888.723.7328  to speak with a Member Care Team Specialist. 

To check if you have set up any Card Controls, go to Card Center > Digital Card Controls > Card Controls.

For security purposes, your personal identification number (PIN) is not visible to our staff. However, you can reset your PIN.

In Digital Banking

• Go to Card Center > Digital Card Controls > Set/Reset PIN. We’ll send you a Secure Access Code to complete a PIN change.

By phone

• If you reside within the U.S.: You can reset your card PIN yourself by calling 888.891.2435. Be sure to call from the phone number we have on file at Stanford FCU.
• If you reside outside the U.S.: Please call 888.723.7328 speak with a Member Care Team Specialist, or send us a secure Message through Digital Banking

At the branch

• This option is only available for new cards that are instant-issued at the branch.

If you have a new debit or credit card

• Instant-issued at a branch: You’ll be able to select your own unique PIN at the time the card is created.
• Mailed within the U.S.: You should receive your new card within 5-7 days of your request. You will NOT receive a separate PIN mailer. As soon as you receive and activate your card, you can call the number listed on the card to select your own unique PIN. Be sure to call from the phone number we have on file at Stanford FCU.
• Mailed outside the U.S.: Go to Card Center > Digital Card Controls > Set/Reset PIN. We’ll send you a Secure Access Code to complete a PIN change. If you need further assistance, please call 650.723.2509 or 888.723.7328 to speak with a Member Care Team Specialist. 

You can submit a travel notification through Digital Banking to ensure that we don’t block your debit or credit card due to suspicious activity. Be sure to provide all your travel details, including all the destinations you may be visiting and any layover cities. Once you submit the notification, you’ll receive a secure Message confirmation that it was received)

If you already started your trip, please call 888.723.7328 for assistance.

Note: We do not allow card transactions in countries sanctioned by the U.S. or prohibited by U.S. law.

Please call us immediately us at 888.723.7328 to close your card, prevent additional fraud charges, and request a new card.

Steps to dispute a debit or credit card transaction

1. To dispute transactions from Digital Banking, go to Card Center, then select Dispute Transactions.
2. Select Dispute Transactions again, then select the account associated with the dispute.
3. Complete the steps to give more details on the reason for the dispute. You’ll also have a chance to upload any relevant documents.
4. To track ongoing disputes, go to Card Center > Dispute Transactions, then select Track Dispute.
5. You’ll be able to view your claim status and any communications about your case. You can also upload more documents or withdraw a case.

Note: In order to preserve your rights, you MUST submit your dispute documentation within 60 days of the date of the statement that the transaction(s) appeared.

You can also manage your credit and debit cards with convenient online Card Tools like text alerts, locking and unlocking your card, notifying us when you’ll be traveling, and more. You’ll be automatically enrolled to receive fraud alerts.

If you believe the charges are fraudulent, please call us immediately at 888.723.7328 so we can block your card and prevent additional fraud.

If you participated in the transaction(s), we won’t need to close your card. Please contact the merchant in question and try to resolve the discrepancy. If you start with us, the dispute may not be honored by the merchant if they weren’t contacted and given the opportunity to resolve the issue first.

If you’re unable to resolve the dispute, or if the transactions were not made by you or a family member, then you can dispute a transaction online.

Steps to dispute a debit or credit card transaction

1. To dispute transactions from Digital Banking, go to Card Center, then select Dispute Transactions.
2. Select Dispute Transactions again, then select the account associated with the dispute.
3. Complete the steps to give more details on the reason for the dispute. You’ll also have a chance to upload any relevant documents.
4. To track ongoing disputes, go to Card Center > Dispute Transactions, then select Track Dispute.
5. You’ll be able to view your claim status and any communications about your case. You can also upload more documents or withdraw a case.

Note: In order to preserve your rights, you MUST submit your dispute documentation within 60 days of the date of the statement that the transaction(s) appeared.

You can also manage your credit and debit cards with convenient online Card Tools like text alerts, locking and unlocking your card, notifying us when you’ll be traveling, and more. You’ll be automatically enrolled to receive fraud alerts.

 Click here to dispute a Zelle^® or ACH transaction.

Your account balance is the total amount of money that is currently in your account, including any pending transactions (e.g., debit card purchases that have not cleared).

Your available balance is the total amount of money in your account that you can use for purchases and withdrawals, as it excludes pending transactions and check holds from your account balance. However, the available balance will not show checks that haven’t been cashed or deposits which haven’t posted.

You should always use the available balance to determine how much money you have available for purchases and withdrawals. Otherwise you might overdraw your account if you spend based on your account balance and it is higher than your available balance.

There are options available to protect you from an overdrawn account. Learn more about our overdraft protection options.

If you don’t have enough money in your account to cover a check, debit card purchase, recurring debit card or ACH transaction, your financial institution can either reject the transaction or cover it for you. When they cover or protect you from overdrawn accounts, it’s called “overdraft protection”. This can sometimes be embarrassing and expensive because most financial institutions charge a fee. In the case of a bounced check, the check recipient may also charge a fee.

There are three ways to manage transactions when there are insufficient funds:

• Reject the transaction  - The financial institution can simply decline the transaction or send back a check you wrote. Note that the check or ACH can be re-submitted, and it will only process when you have enough money in your account. Many financial institutions charge a non-sufficient funds (NSF) fee for rejected items, but Stanford FCU does not.
• Account-to-account transfer - You can link your other accounts at the same financial institution to automatically transfer money into your account to cover a transaction when there isn’t enough money. At Stanford FCU you can set up your savings, money market or credit card to cover checks and ACH items. Most banks charge for these automatic account-to-account transfers (and for cash advance fees if you link to a credit card), but Stanford FCU does not, and never has.
• Courtesy Pay - You can opt into allowing your financial institution to cover transactions when you don’t have enough money, and they will charge a fee for each transaction. At Stanford FCU, Courtesy Pay will cover check, debit card, and ACH transactions. Courtesy Pay is free for transactions under $10, and will cover up to four transactions per day with a Premium OD/Courtesy Pay fee. Our fees are listed on our Schedule of Fees(link to Service Fees page).

Avoid rejected transactions with overdraft protection! Call 888.723.7328 or use Chat to set up account-to-account transfers and opt into Courtesy Pay to protect yourself if your account goes negative.

Get started by reviewing our credit card options to find the right card for whatever you need:

• Tech Card
• Stanford Alumni Rewards
• Stanford Athletics^® Fan Rewards
• Student Cash Rewards

Our online application process is secure, quick and simple. Current members can apply through Digital Banking. Non-members must first apply for membership online in as little as 10 minutes.

Get started by reviewing our credit card options to find the right card for whatever you need:

• Tech Card
• Stanford Alumni Rewards
• Stanford Athletics^® Fan Rewards
• Student Platinum Cash Back Rewards

All Stanford FCU credit cards have no annual fees, no foreign transaction fees, no balance transfer or cash advance fees - we put our members first! Most of our credit cards also earn cash-back and other rewards.

Our online application process is secure, quick and simple. Current members can apply through Digital Banking. Non-members must first apply for membership online in as little as 10 minutes.

The Travel Accident Insurance benefit is available with our Platinum Cash Back and Business Credit Cards. If you have additional questions, please contact the Plan Administrator listed in the benefit coverage document.

Apply for your Credit Card today! Learn more about our low-rate credit cards with rewards and virtually no fees! Our online credit card application process is secure, quick and simple. Current members can apply through Digital Banking or the mobile app. Non-members must first apply for membership online in as little as 10 minutes.

A Digital Card is a copy of your regular credit or debit card that’s available in Digital Banking’s Card Center. No more waiting weeks for a plastic card to arrive by mail - your card number, expiration date and CVV are available for your online shopping, subscription services, and loading into your mobile wallet.

Whether you’re waiting for your first card or a replacement card, your Digital Card is available within two days:

1. Visit Card Center in Digital Banking
2. Click on Digital Card Controls at the very top
3. Enter the secure access code that will be sent to confirm your identity

Activating your plastic card

Your regular plastic card will be mailed to your primary address and there are three easy ways to activate it. Do not activate your plastic card before it arrives! Mail theft could put your account at risk.

1. Activate your card online:
   • Visit Card Center in Digital Banking
     
   • Click on Digital Card Controls at the very top
   • Enter the secure access code that will be sent to confirm your identity
   • Click on Activate Card
   • Select the card from the dropdown
   • Enter the expiration date and CVV on your card
   • Click Submit
2. Activate your card by calling 888.691.8661 from the phone number we have on file for you and follow the prompts (you can verify or update your phone number in the Profile & Settings section of Digital Banking).
3. Activate your card at an ATM or by making a point of sale (POS) purchase - use this method only if you have your PIN.

Digital Card: use your card right away! Watch now.

There could be many reasons why this is happening. Please call a Member Care Team Specialist at 888.723.7328 toll free. You can also use Chat during business hours to resolve the issue.

If you’re traveling out of state or out of the country, be sure to set a Travel Notice so we don’t block your credit or debit card. List all areas you may be visiting, including layover cities. Once submitted, you should receive a secure message that it has been received.

We do not allow card transactions in countries sanctioned by the U.S. or prohibited by U.S. law.

Stanford FCU credit and debit cards have NO foreign transaction fees - this is great for international travelers!

Plus, you earn cash back or rewards points on all credit card purchases.

Traveling Abroad?

We offer a foreign currency exchange service, which makes it safe and easy to purchase foreign currencies at a branch.

To set a Travel Notification on your card: Submit a travel notice in Digital Banking and list all areas you may be visiting, including layover cities. Once submitted, you should receive a secure message that it has been received.

Please allow at least one business day for processing. The more advance notice you can provide, the better. If you already started your trip, please call 888.723.7328 for assistance.

Note: We do not allow card transactions in countries sanctioned by the U.S. or prohibited by U.S. law.

Exchange rates are calculated in global currency markets. The reasons for fluctuations in exchange rates include inflation, interest rates, budget deficits, public debt, trade policy, political stability, and economic performance. 

If you are traveling out of state or out of the country, be sure to set a Travel Notice so we don’t block your credit or debit card.

To set a Travel Notice on your card:

1. Log in to Digital Banking
2. Click Services > Submit Travel Notice, then follow the prompts (list all areas you may be visiting, including layover cities)
3. Once the Travel Notice is submitted, you will receive a secure Message that it has been received

Please allow at least one business day for processing. The more advance notice you can provide, the better. If you already started your trip, please call 888.723.7328 for assistance.

We do not allow card transactions in countries sanctioned by the U.S. or prohibited by U.S. law.

An ATM card can only be used at an ATM terminal to withdraw or deposit money, or at certain merchants who accept ATM transactions. A debit card can be used at ATMs as well, but can also be used to make purchases online, in stores, and at restaurants just like a credit card. However, these purchases are deducted immediately from your checking account.

A free debit card is provided when you open a checking (spending) account with Stanford FCU. Check out our spending account options to determine which account is right for you. The first box of checks is free!

Not a member yet? Joining is easy! You can open an account with Stanford FCU with as little as $5.00. Open your account online today!

There are three ways to activate your debit or credit card. Do not activate your plastic card before it arrives! Mail theft could put your account at risk.

1. Activate your card online:
   • Visit Card Center in Digital Banking
   • Click on Digital Card Controls at the very top
   • Enter the secure access code that will be sent to confirm your identity
   • Click on Activate Card
   • Select the card from the dropdown
   • Enter the expiration date and CVV on your card
   • Click Submit
2. Activate your card by calling 888.691.8661 from the phone number we have on file for you and follow the prompts (you can verify or update your phone number in the Profile & Settings section of Digital Banking).
3. Activate your card at an ATM or by making a point of sale (POS) purchase - use this method only if you have your PIN.

Once activated, you can manage your cards with convenient online Card Tools like text alerts, locking and unlocking your card, notifying us when you’ll be traveling, and more. You’ll be automatically enrolled to receive fraud alerts.

There are multiple ways to select or change your personal identification number (PIN). 

In Digital Banking

• Go to Card Center > Digital Card Controls > Set/Reset PIN. We’ll send you a Secure Access Code to complete a PIN change.

 By phone

• If you reside within the U.S.: You can reset your PIN yourself by calling 888.891.2435. Be sure to call from the phone number we have on file at Stanford FCU.
• If you reside outside the U.S.: Please call 888.723.7328 to speak with a Member Care Team Specialist, or send a secure Message through Digital Banking.

At the branch

• This option is only available for new cards that are instant-issued at the branch.

If you have a new debit or credit card

• Instant-issued at a branch: You’ll be able to select your own unique PIN at the time the card is created.
• Mailed within the U.S.: You should receive your new card within 5-7 days of your request. You will NOT receive a separate PIN mailer. As soon as you receive and activate your card, you can call the number listed on the card to select your own unique PIN. Be sure to call from the phone number we have on file at Stanford FCU.
• Mailed outside the U.S.: You will receive a randomly selected unique PIN shortly after you receive your new card. You will not be able to change your PIN due to international phone number limitations.