Debit Cards

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Valley First Credit Union Debit Card

Flexible, safe, and easier than cash. Our Debit Cards can be used anywhere Visa is accepted for purchases and can also be used at the ATM machine for cash.

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Valley First Debit Card image

With this card, you'll enjoy:

  • Fast and secure payments to help you save time at online and in-store checkout
  • The ability to easily load the card into your Digital Wallet
  • A Chip-enabled card for advanced security and better fraud protection
  • Fee-free access to more than over 30,000 ATMs through the CO-OP network
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Included with your Debit Card

Embedded Microchip Protection
Your card has been enhanced with an embedded microchip that provides increased protection against fraud.
With Zero Liability you're not responsible for unauthorized charges.
No one can prevent all identity theft, so staying informed and knowing what to do when your identity is threatened can give you greater peace of mind. ID Navigator Powered by NortonLifeLock provides you with the tools to help keep you informed for potential threats to your identity so you can act quickly.
As a Valley First debit  cardholder, you have access to Roadside Dispatch®, a pay-per-use roadside assistance program. For more information click here.
Verified by Visa enhances your account to protect against unauthorized used of your Debit Card when shopping at participating merchants. Your card is registered with this additional protection at the time of opening.
One-Time Passcodes
Valley First Credit Union may use a One-Time Passcode to verify your identity as an added protection against online fraud. During online shopping when a transaction presented is considered high risk, you may be asked to authenticate using a one-time passcode. This one-time password will be sent to your mobile device. Once received you will enter the code on the merchants website site in the "Enter One-Time Passcode" field. Once confirmed the transaction will be approved.
Surcharge-free ATM Networks
Surcharge-free access to over 30,000 ATMs worldwide. When using any CO-COP ATMs, Valley First Credit Union Debit cardholders will not be charged a surcharge. Just look for the CO-OP logo when using an ATM or view our ATM locator to find your nearest surcharge free ATM
Card Controls
Card Alerts and Card Controls is a feature of our Valley First Credit Union Mobile app and inside Online Banking that allows you to turn your debit card on and off in seconds with a simple tap.


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Card Controls

Card Controls allows full control over your debit card usage within Online/Mobile Banking. Manage how, when and where your card(s) is used on your own terms. Card Controls enables you to set controls regarding the transaction types, geographic rules, and the merchant types where your card can be used. Turn any card on, or off in seconds. It's as simple as a toggle. Perfect for safety, security—and those scary moments when you're not quite sure where your card might be.

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Fraud Alerts - Enjoy peace of mind while you shop

We detect most fraud before you are aware of it. If we notice suspicious activity, we will contact you by text or phone to confirm activity on the account. It's important for your contact information to be up to date so we can reach you promptly. 

You can recognize Valley First fraud alerts by the short code ending in 56. We will never ask you to provide sensitive information like account numbers, passwords, or security numbers through text or email.

How it works

If you receive a Fraud Text Alert from us, you will be promoted to respond.

By texting "YES' you are confirming that the transaction is legitimate. Your card will be unblocked in real-time.
By texting 'NO' you are confirming that you did not make the purchase. We will block the transaction and text you a number to call to validate the purchase(s), prevent any further fraud on the account , and start the process of getting you a new card.
You can text 'STOP' at anytime to end your text based fraud alerts.
Text 'HELP' and we will provide you with a number to contact us for questions.


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Fraud Alerts FAQs

Q: When are fraud text messages sent?
A: Alerts will be sent between 8am-9pm in your time zone.  Alerts pending from outside of this timeframe will be sent during the open window mentioned above.  All fraud agents are available 24/7.
Q: What triggers a fraud alert?
A: Transactions we have determined to be suspicious.
Q: What if I am traveling outside of the United States?
A: We are unable to send text or phone calls internationally, but in the future we will be able to send you an alert through email.
Q: How do I enroll in Fraud Alerts?
A: As a Valley First Credit Union cardholder, you have already been enrolled for these enhanced services as part of our fraud protection services.
Q: If a transaction is declined due to suspected fraud, but I validate that I did make the purchase, can I try to complete the purchase again?
A: Yes, your account will be updated real-time, and you will be able to attempt the transaction again.
Q: Will I be charged for the fraud alerts?
A: Fraud Alerts are supported by Verizon, AT&T, Sprint, and T-Mobile. Standard Carrier messaging rates do not apply.  Message frequency is based on user activity.  If you utilize a Carrier that is not supported, you will not receive SMS text alerts, but will be called through our automated system.
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1Visa's Zero Liability Policy* is our Guarantee that you won't be held responsible for unauthorized charges made with your account or account information. You're protected if your Visa debit card is lost, stolen or fraudulently used, online or offline. 
*Visa's Zero Liability Policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa. Cardholders must use care in protecting their card and notify their issuing financial institution immediately of any unauthorized use. Contact your issuer for more detail.
Notices & Disclosures
You must notify us immediately and assist us in our investigation if your card is lost or stolen or you believe someone is using your card without your permission.
If you permit another person to have access to your Card, Card Number, PIN, or CVV, we will treat this as if you have authorized such use and you will be liable for all transactions and fees resulting in that authorized user's activity until you contact us to revoke that person's authority. To revoke an authorized user, please call our contact center at 1-877-549-4567 from 8am to 6pm Monday-Friday and 9am to 1pm on Saturday (excluding holidays).
Visa is a registered trademark of Visa Inc.
References to trademarks and/or names of third parties or third party products or services are not an endorsement and are not intended to designate an association with Valley First Credit Union.