A debit card works like a check because it uses money from your checking/share draft account. Having a debit card is not like having unlimited money. You need money in your checking account in order to pay for something with a debit card.
For example, say you want to use your debit card to buy an iPad for $499. You must have at least $499 in your checking account to cover the purchase. When you swipe your card, the $499 automatically leaves your account.
There are many good reasons for getting a debit card.
Sometimes people lose track of the money they have in their account and they try to spend more than they have. When this happens, two things can occur:
Having a card declined is embarrassing enough, but the real problem is when you are charged for an overdraft. Overdraft fees can stack up really fast, and you might not even realize it until it's too late. That's why it's important to know how much is in your account at all times. It's smart to always leave a cash cushion in the account so this doesn't happen to you.
Luckily, we have online banking to help you keep track of your balances. Ask about getting a debit card today.
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.
Download the mobile app that lets you control debit card usage and spending on the go. You can turn your card on and off, receive alerts when your card is used, set transaction limits, etc. Visit your app store today to download CardValet. Watch our video here.
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.
Location & Credit Union Office Information:
215 Old Campion Road, New Hartford, New York 13413-4953
Monday - Friday 7:30am-4:00pm
Drive-Thru Window Hours:
Monday - Friday 6:30am-4:00pm
Access to your account by phone,
24-Hours a Day, 7 Days a Week