Your Credit Union debit card offers a convenient way to access funds, make purchases, and obtain account information in person, online or over the phone. We offer a variety of debit card services that will suit your needs.
Security features and round-the-clock fraud monitoring help block potential fraud.
Check out in seconds with your contactless1 card and Visa’s® secure tap to pay technology.
Monitor with Alerts
Monitor your debit card activity on-the-go when you register for Debit Card Alerts.
Use at national Interlink® and Maestro® merchants and Visa merchants2 worldwide.
Pay without Plastic
Add cards to your digital wallet to simplify and secure your shopping with Mobile Payments.3
CashPoints® ATMs are available across NC for 24/7 account access.4
Pay with Confidence
Our $0 liability policy for unauthorized purchase transactions means you are not responsible for fraudulent transactions on your card if reported in a timely manner. If you notice transactions that you did not make or approve, notify us immediately at (800) 528-2273. If you do not report fraud in a timely manner, we may not be able to reimburse you.
See Account Disclosures for more details.
GKCU Debit Cards
For more information about GKCU debit cards, select a card type in the table above and review the cardholder agreement.
Debit Card FAQs
No. We do not offer pre-paid debit cards. Pre-paid debit cards often come with a high number of fees to maintain and use. As an alternative, we offer a CashPoints Global (CPG) account and CPG debit card to help you control your spending and eliminate non-sufficient funds (NSF) fees.
Visa debit cards, including CashPoints Global cards, can be activated by calling (866) 322-2377 or by completing a PIN-based transaction at any CashPoints ATM. CashPoints cards do not require activation.
Verify your contact information is correct to ensure easy card activation.
All GKCU debit cards can be used at CashPoints and PLUS® network ATMs and at national Interlink and Maestro merchants.5 Visa cards can be used worldwide and online at participating Visa merchants.
Review our cardholder travel checklist and tips to plan ahead and avoid potential fraud before you leave.
Generally, there are no fees for PIN- and signature-based transactions in the United States, or for ASK GKCU voice response and CashPoints ATM4 transactions.
PLUS ATM transactions incur a $1.00 fee for completed transactions and a $0.35 fee for denied transactions. Third-party ATM operators may impose additional fees.
Your account will be charged an International Transaction fee of 1% of the US dollar amount of each international transaction (including phone or internet transactions conducted in US dollars with a foreign merchant). Consult your cardholder agreement for more information on how this fee is calculated and when it is charged.
Report a lost or stolen card immediately by calling us at (800) 528-2273. Representatives can assist you with replacing your card and reporting any fraudulent transactions.
If you think you’ve misplaced your card and would like to look for it before requesting a replacement, we can place a temporary block on your card while you search.
Yes. You can request a card be sent via rush delivery for a $15 fee. All shipments must be delivered to a physical address, not a P.O. Box. You can request the card be shipped to your local branch for pickup if you do not have a secure mailbox for delivery. A replacement card typically takes 2-3 business days to arrive.
We employ numerous security features and fraud monitoring programs to help protect you from potential fraud, including free, automated text alerts to your mobile device to verify irregular card activity.9
However, we can’t block all threats to your account. Protect yourself and monitor your account by registering your card for Debit Card Alerts so you can be notified in near real-time of selected debit card activity.
2 CashPoints cards do not bear the Visa logo and cannot be used to complete Visa transactions.
3 CashPoints cards are not eligible for use with Mobile Payments.
4 GKCU assesses a surcharge for withdrawals using certain non-GKCU issued cards at CashPoints ATMs. You will be notified during the transaction before you are charged if the fee applies to your non-GKCU issued card.
5 The daily purchase limit includes the maximum cash withdrawal limit per day. If cash is withdrawn, the amount available for purchases that day is reduced by the withdrawn cash amount.
6 Withdrawals can be made in multiples of $20 at CashPoints ATMs.
7 Card bears the Visa logo and can be used anywhere Visa debit cards are accepted.
8 A checking account is required to make purchases.
9 To receive Irregular Card Activity Alerts, you must have agreed to the terms of our Online Services Agreement and maintain your current text number with us. You can withdraw your consent to receive these alerts at any time by texting STOP or by calling our 24/7 Member Services.