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.
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.
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.
To report a dispute or fraud on your Visa debit card, please call (866) 820-1063.
To report a lost or stolen Visa debit card, please call (717) 767-5551 or (800) 893-2328 and select Option 7.
A signature-based transaction is considered any transaction that:
When using the Point-Of-Sale (POS) terminal during checkout, merchants will require "CREDIT" to be selected.
A PIN-based transaction is considered any transaction that:
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.
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.