Trade paper for plastic with our Visa® debit cards. Don't worry about fumbling with change or writing a check — our cards make it easy to shop with just a swipe.

personal-debit-card

Card Types

Kasasa® Visa Debit Card

  • Requires either Kasasa Cash®, Kasasa Cash Back®, or Kasasa Tunes® account
  • Refunds on ATM withdrawal fees, nationwide (up to $20 monthly)*
  • Unlimited free access to First Capital ATMs
  • Unlimited signature and PIN-based transactions
  • Safer than carrying cash
  • More convenient than checks
  • Eliminate cost of purchasing checks

First Visa Debit Card

  • Visa debit card linked to Share Draft Account
  • Free Visa check card accepted around the globe and online
  • Unlimited signature-based transactions
  • Withdrawals, transfers, balance inquiries and deposits available 24/7
  • Costs $1 per PIN-based transaction at point-of-sale and non-First Capital ATMs
  • Visa alerts available for easy account monitoring
  • Visa Checkout available for easier online shopping

Advantage Visa Debit Card

  • Visa debit card linked to Share Draft Account
  • $0.10 rebate for every signature transaction over ten (10) per month
  • Unlimited signature-based transactions
  • Access to thousands of surcharge-free ATMs
  • 10 free PIN-based transactions per month
    • Costs $1 per PIN-based transaction at point-of-sale and non-First Capital ATMs after 10
  • Costs just $2 per month/per card
  • Visa alerts available for easy account monitoring
  • Visa Checkout available for easier online shopping

Download our comparison chart.

FAQs

What is a Visa debit card?

A Visa debit card works like a check, only better. When you make purchases, the amount is deducted directly from your share draft checking account. But you also enjoy added convenience and security protections.

Can I get a Visa debit card even if I don't qualify for credit?

Yes, you do not need to qualify for credit to receive a Visa debit card. You just need an eligible checking account. The funds are deducted directly from your share draft checking account and not borrowed.

How do I activate my Visa debit card, or select a PIN?

To activate your Visa debit card and select your PIN, call (717) 767-5551 or (800) 893-2328 and select option 7. PINs can be changed once every 24 hours by calling either of the phone numbers above, or by using a First Capital ATM.

How do I report a dispute or fraud on my Visa debit card?

To report a dispute or fraud on your Visa debit card, please call (866) 820-1063.

What do I do if my Visa debit card is lost or stolen?

To report a lost or stolen Visa debit card, please call (717) 767-5551 or (800) 893-2328 and select Option 7.

What is considered a signature-based transaction?

A signature-based transaction is considered any transaction that:

  1. is processed using your Visa debit card and
  2. requires your signature to authorize the transaction

When using the Point-Of-Sale (POS) terminal during checkout, merchants will require "CREDIT" to be selected.

What is considered a PIN-based transaction?

A PIN-based transaction is considered any transaction that:

  1. is processed using your Visa debit card and
  2. requires your PIN (Personal Identification Number) to authorize the transaction

When using the POS terminal during checkout, merchants will require "DEBIT" to be selected. The merchant will not ask for your signature at any time during the transaction. Transactions at ATMs are considered PIN-based transactions.

What does "surcharge-free" mean?

Many ATM owners charge a fee or "surcharge" for using that particular ATM, which often ranges from $1.00 to $4.00, or more! Avoid surcharge fees by making withdrawals at First Capital branch ATMs, CU$ Network ATMs, or M&T Bank ATMs.

*Domestic ATM fees incurred during qualification cycle will be reimbursed up to $20 if qualifications are met within monthly qualification cycle. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher.

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