Using a Family Savings VISA ® ATM/Debit card allows you the freedom to make purchases or withdraw from the funds in your checking account  without using a paper check .

The convenience they offer you include: Instant Card Issue at any branch location, an accurate record of purchases, access funds via any ATM, as well as a number of nationwide surcharge-free ATMs through Credit Union 24 network , safer than carrying cash and accepted more readily than checks. 

If Your Card is Lost or Stolen

PLEASE CALL 888-311-3728 OR 256-543-9530 DURING MAIN BRANCH HOURS. AFTER HOURS, CALL 1-844-484-0049.

Block your Debit Card using NetTeller Online Banking.


VISA Fraud SMS/Text Notification program

Family Savings CU now participates in the VISA Fraud SMS/Text Notification program. If fraud is suspected on your Family Savings VISA debit or VISA credit card, you may receive a text message from #23618 which will include the last 4 digits of your card and details of the transaction. You will be asked if the charge is fraudulent or not. You will be asked to text back YES, NO or STOP (to opt-out).

Only members who have their MOBILE numbers on file will be texted. If no mobile number is on file or VISA gets no response to the text message from the member, an automated phone call will be sent with the same information. The automated phone message will ask you to answer 2 multiple choice questions to verify your identity.

If your alert is ever in question, please call the number on the back of your card or the VISA after hours number 1-844-834-8560.

Instant Issue Debit Cards

With an instant issue card, members can choose a card design and have it printed while at the branch. You will walk away with a new activated ATM/Debit card.

A variety of instant issue designs are available. Choose one of our free designs, or if you like, you may choose to jazz up your card with a cool design from our $5 design collection.

chip card photo EMV Chip Cards

Family Savings uses chip-enabled technology with our Visa® Debit and Credit Cards to provide added security against card fraud  for our members. Each time you use your card at a chip-enabled terminal or ATM, a one-time code is created to validate the transaction. It's nearly impossible to duplicate this code. Because chip-enabled cards are widely accepted around the world, the Family Savings VISA® cards will also be more secure and easier to use when you travel .

ATM's that feature the chip-enabled card acceptance are available at Family Savings branch locations. These ATM's work slightly different when using a chip-enabled card. You will need to insert your card and leave it in the machine as instructed until you are prompted to remove it. This is unlike in the past, when you swiped the magnetic strip and continued with the transaction. If you have any questions or concerns on usage or issuance of EMV chip-enabled cards, please contact our Debit Card Department at 256-543-9530 or 888-311-3728.

Foreign Transaction Fees

Payments, purchases and cash advances made in foreign countries and foreign currencies will be charged to your account in US Dollars. The conversion rate to dollars will be made in accordance with the operating regulations for international transactions established by Visa, through whose facilities card withdrawals are handled. There may be fees associated with this process. 

Co-op Surgage-Free ATMs

Surcharge-free access to your cash at ATMs across the nation.  Find one near you at <>

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