Learn more about debit cards from Extra Credit Union.
Instant issuance is a new program at ECU that allows members to get a new or replacement Debit Card at Extra Credit Union without having to wait for their Debit Card to arrive in the mail. Cards are issued to members immediately when opening a new account, and the card is active and ready for use. Members can choose their own PIN immediately on the spot.
Lost/stolen cards can also be replaced at Extra Credit Union through this program for a $10 fee. This is based on the member’s preference on whether they’d like to receive their card immediately through this program or through a mail order. There is a slight difference in the look and feel of the card (please see below for details).
Members must be present and have a valid ID to have a card issued to them at Extra Credit Union. Regardless of their role, i.e. primary member or joint-member, individuals may not order cards for other signers/owners of an account.
Cards are only distributed to members inside the credit union and may not be obtained via the drive-thru.
Instant issuance does not replace reorder procedures for compromised cards. Please see below for related reissuance details.
The new card will arrive within 7-10 business days and comes in a plain white envelope. There is no Extra Credit Union Logo or printing on the outside of the envelope, and it is sometimes mistaken as junk mail and accidently thrown away. Please be on the lookout and open all mail until it arrives.
If you have opted in to have your everyday debit and ATM withdrawals approved even if you do not have the funds available, you will be charged a $32 Courtesy Pay Fee per transaction. To opt in or out of this service, we require a signed authorization form.
When you use your debit card in a signature or “credit” based manner, the funds from that transaction are placed on hold and will show “pending”, but the transaction will not clear or “post” for 1-3 business days. This can make it difficult to keep track of the account balance if you use your debit card regularly. We encourage our debit card using members to keep a running ledger to avoid overdrawing their account.
When you use your debit card with a PIN, the transaction posts immediately, acting as a true debit where the funds clear or “post” immediately. We still encourage that members keep a running ledger.
To activate your debit card, contact a call center representative by phone at (586) 276-3000 or toll-free (877) 638-7628. Hours are Monday – Tuesday from 9 a.m. – 5 p.m., Wednesday from 11 a.m. – 5 p.m., Thursday from 9 a.m. – 5 p.m., and Friday from 9 a.m. – 6 p.m.
Call the JHA Hot Card Center: (888) 297-3416 (within the US) or (206) 389-5200 (outside the US).
To report a lost or stolen ATM Card, please call the credit union during normal business hours at (586) 276-3000.
Call the JHA Hot Card Center: (888) 297-3416 (within the US) or (206) 389-5200 (outside the US).
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