Debit Card Information

Say Hello to Tap-to-Pay Convenience!

Debit cards just got an upgrade at Utica Gas & Electric FCU!

We are thrilled to introduce contactless debit cards—a faster, safer way to pay. Just tap your card at checkout and go. No swiping, no inserting, no hassle.

Here's the scoop:

• All renewed debit cards will now come with contactless technology.

• Want yours sooner? Request a replacement for just $10.00.

What Is a Debit Card?

A debit card pulls money directly from your checking/share draft account, so it's not unlimited spending. You need enough funds in your account to cover your purchase.

Example: Buying an iPad for $499? You'll need at least $499 in your account. Once you tap your card, the money is withdrawn instantly.

Why You'll Love It

• Accepted almost everywhere

• Tap-to-pay speed and security

• Works at ATMs for cash withdrawals

• Helps you carry less cash

⚠️ Stay Smart with Your Spending

If you spend more than you have:

• Your card may be declined, or

• You could be charged an overdraft fee

Avoid surprises by using our online banking tools to track your balance and keep a cushion in your account.

Ready to upgrade your payment experience?
Your contactless debit card will arrive automatically when your current card renews. Ask us for details or request an early replacement today!

Luckily, we have online banking to help you keep track of your balances. Ask about getting a debit card today.

Register your Debit Card to Earn Points for Purchases!

Register for uChoose Rewards today!  Then, use your UGEFCU debit card to start earning 1 point per $2 when you select "credit" wherever you shop.

Frequently Asked Questions

What is uChoose Rewards?  It's a rewards program that earns you points every time you use your UGEFCU Visa Debit Card to sign for your purchases.  Redeem your points for any reward of your choice from an online catalog.

How do I get started?  Visit uChooseRewards.com.  Click the Register link (under New to uChoose Rewards) and follow the prompts to create your User ID and password.

Can I earn extra points?  Earn additional points for shopping at participating retailers, in-store or online through uChooseRewards.com.

Turn your Debit Card On and Off with our Mobile App!

You can turn your card on and off, receive alerts when your card is used, set transaction limits, etc. with Cards in your mobile app.

A digital wallet allows you to carry your debit cards in a digital format and use them from your mobile device. Just add your card to the wallet of your choice, determined by the type of mobile device you own—Apple Pay®, Samsung Pay, or Google Pay™. Once installed and verified, you can leave the plastic at home and use your mobile wallet at participating retail stores, while shopping online, and within mobile apps.

This payment method provides additional security using encryption and tokenization to protect your personal and financial information. Your debit account number is never shared with merchants or retailers and is not stored on your device. Tokenization turns your card number into a different, random number—a token—for each transaction. Even within your app, your full card number is never shown.

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