NOT the place to go if you want a debit card. The “fraud prevention” on their debit cards is just ridiculous.
Buy something online? You’ll be turned down, even after receiving an automated phone call from “fraud protection” and acknowledging that the charge is legitimate.
Going on vacation? Your debit card will be turned down. You’re not using the card in your hometown, so it must be fraud, right?
I once bought a computer online, and the card was turned down.
I had to have the computer company call CCU in a 3-way call in order to get it cleared up.
This caused the computer company to submit the charge three times, causing an overdraft, even with CCU’s incompetent CS agent on the phone the whole time.
CCU refused to refund the charges. When I complained about the overzealous “fraud protection” that caused the whole mess, I was told that it was for my protection.
Nope. Federal law states that the customer/victim can only be charged $50 no matter the size of the fraud. It’s for CCU’s protection, not yours.
Avoid this credit union and its horrible customer service, and under NO circumstances should you accept a debit card from them.