Debit Card

There is no annual fee for our debit cards. Our debit cards can be used anywhere in the United States that VISA is accepted.  They can also be used in the following countries:

Note:  Due to recent increases in debit card fraud, we have instituted the following transaction restrictions:

Canada Ireland Great Britain Spain
France Germany Columbia Brazil
Australia Jamaica Venezuela Italy
  • All international transactions (Temporary)

If you will be traveling and might be affected by these restrictions, please contact the Credit Union.

To protect our members from debit card fraud, our debit cards have daily limits of $1,000 for signature transactions and $2,500 for PIN transactions.

Lost/Stolen Numbers

To report your card lost or stolen, please call the credit union at 205-328-4371. If you have debit card fraud on your account, please visit our Fraud Information page here for more information.

Activation Numbers

To activate a debit card or ATM card, please call 800-448-8268.

Verified by VISA

Verified by VISA adds an extra layer of security to make it harder for someone else to use your VISA card to shop online in the unfortunate event your VISA card or account number is lost or stolen. Each time your VISA credit or debit card is presented to make an online purchase at a participating merchant, know that Verified by VISA is working to make sure it is you that is attempting to make that purchase and not someone else. There is no special software to install. You will continue to shop as usual, and your enrolled VISA card number will be automatically recognized at checkout. If you have additional questions about Verified by VISA, please visit the VISA website.

Surcharge-Free ATMs

As a debit or ATM cardholder with ACIPCO Federal Credit Union, you have access to tens of thousands of surcharge-free ATMs coast to coast. Click here for an ATM locator.

Instant Issue Debit Cards

If you need a replacement debit card because it is lost, broken, etc., come by the Credit Union and we can print a new card within minutes. Your new card will work immediately when you leave the Credit Union. There is no charge for these cards until the 3rd replacement card.