Card Controls.

Stay informed with Card Controls and Alerts

Stay informed and in control with real-time Card Controls. This feature allows you to lock or unlock your Empeople Debit or Credit card.¬† You can also set limits for your card(s) that trigger alerts and block too high transactions‚Äďyou can do this for single transactions and monthly limits Also, set alerts for a specific transaction or merchant types and decide which should be allowed or denied. You can set up card controls within Digital Banking.¬† You can also follow the steps here.

Fraud Alerts help you to manage your account activity and quickly identify potentially fraudulent transactions. When you provide us with your mobile number, we will automatically sign you up to receive automated alerts to your mobile device using text messaging and/or pre-recorded digital voice phone calls.

If you ever have problems with your debit or credit card or need to order a new card, we’re here for you, too.¬† Just give us a call at (800) 338-6739.

How do I activate my debit card?

Dial (866) 985-2273 to activate your debit card.

  1. Enter last 4 digits of Social Security#
  2. Enter CVV2 value on back of card
  3. Enter card expiration date
  4. Enter your 4 digit PIN (Personal Identification Number)

If you are experiencing issues, please contact member services at (800) 338-6739 for assistance.

Are there currency conversion fees to use my Visa debit card internationally?

The Credit Union does not charge a conversion fee to use your debit card out of the United States.

What do I do if my Visa debit card does not work?

It is important for you to keep your contact information up to date. If there are suspicious transactions and our Card Services cannot contact you, the card could be restricted. If you have used an invalid PIN several times your card could be locked out. If you have reached your daily withdrawal limit, this could be another reason your card is not working. Please contact us at (833)852-0085 or by sending us a message in the Secure eMailbox within your Online Banking account.

My debit card is expiring. When I can I expect a new one?

The expiration date on your debit card means that it can be used until the last day of the month shown. A new card is ordered at the beginning of the month in which they expire and then it takes approximately 7-10 business days to receive them.

Can I change my Visa debit card PIN number?

Yes. Please dial (866) 985-2273 to activate your debit card.

  1. Enter last 4 digits of Social Security#
  2. Enter CVV2 value on back of card
  3. Enter card expiration date
  4. Enter your 4 digit PIN (Personal Identification Number)

If you are experiencing issues, please contact member services at (855) 710-3059 for assistance.

How can I get my PIN for my Visa Debit and/or my Visa Credit Card?

For Visa Debit Cards please call (866) 985-2273.

For Visa Credit Cards, please call Visa Card Services at (888) 886-0083.

Which Empeople Visa Credit Card is best?

Empeople offers three Credit Card Programs:  Platinum, Platinum Plus and Signature.  Depending upon how you use your card, our three card programs pay you back with a Lower Interest Rate, Merchandise and Travel Rewards or 1.5% Cash Back

Empeople Visa Signature offers 1.5% Cash Back, every day, on every purchase and no rotating categories.

Empeople Visa Platinum offers a lower interest rate, which may benefit you if you cary a balance ‚Äď up to 1% less than Platinum Plus.

Empeople Visa Platinum Plus offers rewards, one point per dollar spent.  Redeem Points for Travel Rewards, Merchandise, Gift Cards or redeem points as a cash rebate to your Empeople savings or checking account or Visa statement credit.

What is the maximum limit on a Credit Card?

Credit limits are based on individual credit history, credit score, income and relationship with the Credit Union.  To learn more you may call us at 1-800-338-6739.

Do you have a Credit Card with rewards?

Yes we do. Our Visa Platinum Plus card has all the great benefits of our Visa Platinum card, plus Rewards! For every dollar you spend in purchases, you earn rewards points. Use your points to choose from travel and merchandise rewards along with event tickets, gift cards and account credits. Rewards are subject to terms and conditions.

Plus, the Empeople Visa Signature Card offers 1.5% Cash Back.  No rotating categories, no limits, rewards do not expire and there is no annual fee.

Applying for your Empeople Visa is easy. You can either complete an application in Online Banking (once logged in, click on Loan Requests tab), or call us at (800) 338-6739.

Can I get my Credit Card interest rate lowered and do you match other credit unions' interest rates?

Empeople offers Best in Market rates for all deposit and loan products.  We do not match competitor rates on credit cards nor do we lower the interest rate on cards. We monitor our cards based on credit scores and adjust the rate according to our credit card agreement.

Can I request a Credit Card limit increase online?

You can apply for a Visa credit card limit increase in Online Banking. Once logged in, click on the Loan Requests tab or call us at (800) 338-6739.

How do I activate my Visa Credit Card?

You may activate your Visa credit card by calling the number listed on the sticker on the front of the card or by calling Visa Card Services at 1-800-631-3197 24 hours a day, 7 days  a week.