Visa® Debit Card

Tap Into Your Account Anytime

• Access Online Banking and Mobile Banking to track all activity

• Use this card anywhere Visa is accepted, online or in stores

• Report your card lost or stolen right away by calling us at (650) 363-1725

If you're traveling internationally, you'll always have access to your cash through a Plus/Visa ATM or Pulse ATM. Just look for these logos. Please note, surcharges and exchange rates may apply.

   

Visa Zero Liability Policy*

Take a moment to sign for your debit card purchase instead of using your PIN so you're protected by the Visa Zero Liability Policy*. For transactions you haven’t authorized, we’ll reimburse 100%¹ of the transaction amount, plus any related account charges resulting from such transactions.

Replacing A Debit Card | Virtual Card Access

Visit a Branch
Need a card right away? Our branches offer instant-issue debit cards, making this the fastest way to receive a replacement. In most cases, you can leave with a new physical card the same day.

Online Banking or Mobile App
Use the Card Management feature to request a replacement card. Once requested:

• A virtual card will be available immediately in the Mobile App and can be added to your digital wallet.
• A new physical card will arrive by mail within 7-10 business days.

Call Us
Contact us at (650) 363-1725 to request a replacement card. Once your request is processed:

• A virtual card will be available immediately in the Mobile App and can be added to your digital wallet.
• A new physical card will arrive by mail within 7-10 business days.

Virtual Card Access
If you request a replacement card through Online Banking, the Mobile App, or by phone, you may receive immediate access to a virtual card in the Mobile App while you wait for your physical card to arrive.
When you receive your new card, please remember to:

• Update your card information in any digital wallets.
• Update recurring payments and subscriptions, such as streaming services, delivery apps, rideshare services, and other automatic bill payments.

Free Text Fraud Alerts

We'll immediately text you when potential fraud on your debit card occurs. Your Monterra Credit Union Visa® Debit Card is enrolled automatically for this protection, free of charge.  

• Minimizes fraud exposure on your account
• Detects suspicious activity quickly 
• Keeps you in control 

Understanding Free Text Fraud Alerts

A text message will be sent to your cell phone when a suspicious transaction is identified on your Monterra Credit Union Visa® Debit Card. You simply reply “yes” or “no”.

If you text:
“Yes” – your card will remain available for use.
“No” – you indicate that you believe this is not a purchase of yours; we will then text a number for you to call to validate the charge.

To opt-out, please text the word “Stop” when receiving an interactive text. If you have any questions about this service, please call our Contact Center at (650) 363-1725
Monday through Friday, 8:00 am – 6:00 pm or
Saturday, 9:00 am – 3:00 pm.

How to Update Your Contact Information:

1.    Log in to Online Banking.
2.    Select the Profile icon in the top-right corner and click Settings.
3.    Choose Contact, then click the pencil icon to edit.
4.    Select Save to update your information.

Keeping your contact information up to date helps ensure you receive important account alerts and security notifications.