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Visa® Debit Card

Our Visa® Debit Card is your 24-hour tool for making purchases and accessing cash. Open a Checking Account to receive.
Earn Advantage Plus Rewards with Debit Card transactions Powered by EMV Chip Card Technology Swipe, Sign, and Tap with Mobile Wallet & payWave® Access 35,000+ Fee-Free CO-OP Network & Alliance One ATMs Stay protected with mobile and email alerts
Open a Checking Account
Mobile & Email Alerts
Other Card Benefits

Earn Advantage Plus Rewards.

Now there are even more pluses to having your Checking with Advia.
3% APY

3%
APY on
Checking1

Advantage Bucks

Up to $10 Advantage Bucks Monthly2

Loan Rate discount

Up to 1%
APR Loan Rate
Discount3

CD Rate Premium

0.25% APY
CD Rate
Premium4

$300 Off5
Mortgage Admin Fees

Mortgage Options

0.125% Off5
Your Mortgage Rate

Mortgage Options
How to Qualify
Learn More
More About Advantage Bucks
Don't have a Debit Card? Contact us or stop by your local branch.

Using your Advia Visa Debit Card can help you qualify for Advantage Plus Rewards!

Three simple qualifications each month:
Get 1%

Have a Checking Account

including Regular, Assurance, or Money
Market Checking.
Get 2%

e-Deposit at least $400

Direct Deposit, ATM, and Mobile Deposit
(RDA) all qualify.
Get 3%

Make at least 20 purchases

combined with your Advia Visa® Credit
and Debit Card.
Open a Checking Account
Use e-Deposits
Apply for a Visa Credit Card

Visa® security at your fingertips.

Discover the ways we're keeping your account safe with text message security.

Get the most out of your Visa® Debit Card.

Maximize your experience and take advantage of these additional products and services.
Open a Checking Account
FAQs

Explore more great financial advantages.

No matter what your financial goals and needs may be, we have a solution that will work perfectly for you.

Visa® Debit Card FAQs

Frequently asked questions about Visa Debit Cards.
What's the best way to pay at a merchant (swipe, insert, or wave)?
The greatest protection occurs when the card is inserted into a chip-enabled terminal. In select cases, however, the merchant may not have this updated terminal. In other cases, members may choose to swipe their card, pay online, or over the phone.
Will my chip card prevent all types of fraudulent activity?
EMV (EuroPay, MasterCard, Visa) chip cards provide an additional layer of security at chip-enabled terminals; however, perpetrators continue to look for new opportunities to commit fraud. Advia helps protect your card with around-the-clock fraud protection monitoring!
How do I change my PIN for my Visa Debit Card?
If you'd like to update your PIN (or if it becomes necessary to select a PIN), call 888.891.2435.
My debit card says VISA – is this a credit card or debit card?
If your card is vertical in design, it is your Debit Card, tied to your Advia Checking account for purchases wherever Visa is accepted worldwide. It also acts as your ATM Card - use at any of our 35,000+ Fee-Free CO-OP Network and Alliance One ATMs. If your card is horizontal in design, it's your Visa Platinum Credit Card.
Do I still insert my vertical chip card into the ATM as I did before?
You'll still insert your card following the prompts provided to you at the ATM or merchant terminal. If using an EMV (EuroPay, MasterCard, Visa) Chip enabled terminal, make sure to insert (when prompted) with the chip facing into the machine. Some ATMs feature Chip Reader technology – if so, follow the on-screen or printed prompts at the machine.
I received a new card with a new number. Do I need to change anything tied to my current card?
If your card number has changed, and you have recurring payments tied to your card (example: monthly gym membership), you'll want to contact these billers and update your card information on file. Payments scheduled following your date of activation will not work tied to your old card on account.
What is an EMV chip card?
EMV (Europay, MasterCard, Visa) card technology is a special magnetic chip that is uniquely created with each card. The embedded microprocessor chip stores and protects cardholder data during card-present sales, making it harder for criminals to produce counterfeit cards. Previously, card information was stored on a magnetic strip (magstrip) which provided an easier way for criminals to reproduce cards. The new chip technology will help increase security and reduce fraud associated with card-present purchases.
How is the EMV chip card more secure?
Magnetic strip cards contain sensitive information that stays the same with each transaction. This makes it easier for criminals to make duplicate copies since the information isn't changing. The chip however, creates a unique transaction code each time the card is used to make a payment, making it much harder for someone to replicate. If a criminal did replicate the card chip information, the transaction code wouldn't be usable again, therefore, the purchase they would try to make would be denied.
How do I use my EMV chip card?
At a merchant checkout (if terminal is chip-enabled), you will insert the card into the bottom of the terminal. Keep your chip card in the terminal until the transaction is completed, giving the chip time to transmit the information to the merchant. If the merchant terminal is not set up to process EMV cards, you will swipe your card as normal.

For Phone or Online purchases, you can make purchases wherever Visa is accepted. When making online purchases, always look for the pad lock icon and secure purchase sites with addresses that begin with https:// (the 's' stands for secure)
Do I need to request an EMV card?
All Advia Debit and Credit Cards now come equipped with EMV technology.
Can I use my EMV chip card outside of the United States?
Yes! Many European countries and all other major markets have already adapted to EMV technology. Having a chip-enabled card will make transactions in those countries easier as well as safer.

1 Annual Percentage Yield to be paid on balances held in Regular and Assurance Checking when account activity meets qualifications as Advantage Plus up to $5,000. Balances above $5,000 will earn our non-promotional stated rate with no maximum balance applicable. Dividend rate premium not eligible on balances held in Money Market Checking. Members may hold multiple Checking shares, however promotional rate will be paid on first Regular or Assurance Checking share ID only. 2 A credit for the amount of service charges incurred, up to $10, will be applied to member’s share account following month-end processing for months in which member qualifies as Advantage Plus status. The following service charges are eligible for credit: CU Service Center transactions, paper statement, Advia check orders, non-Advia ATM transactions, and overdraft transfer fees from shares or lines of credit. Advantage Bucks do not carry over to the next month. 3 Advantage Plus Personal Loan rate reduction = 0.75% Annual Percentage Rate on personal loans only for the life of the loan; additional 0.25% APR discount if automatic monthly payments elected prior to first scheduled payment. Combined discounts may not go below floor rate at time of loan; offer excludes Home Equity Loans and Lines of Credit, Business/Commercial Loans, Mortgages, and Visa® Credit Cards. 4 Advantage Plus CD Rate Premium = 0.25% APY on new CDs (excluding promotional and EZ Saver CDs); will be applied for the full term of the CD held. Early CD withdrawal penalties may apply. See Certificate of Deposit for details. 5 To receive waived valuation fee, you must apply by September 30, 2022 and loan must close to receive refund of valuation cost. Mortgage must be between $40,000 and $647,200 to be eligible. Mortgage rates current as of June 20, 2022 and assumes a 30-year fixed-rate purchase or refinance of a detached, owner-occupied property with loan to value ratio of 80% and credit score of 740. A loan amount of $200,000 at an interest rate of 5.625% and APR of 5.79% has a payment of $1,151.31 with 1 point due at closing. Payment does not include property taxes/insurances; actual payment will be higher. Exclusive Advantage Plus Membership offer for $300 off admin fees, waived valuation fee, and 0.125 rate discount must apply by September 30, 2022 and loan must close to receive full offer. Offer applies to Conventional Residential First Mortgages financed with Mortgage Center and excludes FHA, VA, and Home Equity Loans and Lines of Credit. Advia Credit Union membership required. Offer may not be combined with any other promo or discount. The promo has no cash value and is non-transferable. Terms subject to credit and mortgage approval. Other restrictions may apply. All promotional offers associated with Advantage Plus are effective October 3, 2022 and are subject to change at any time. Federally Insured by NCUA. All loans subject to approval. Advia is an Equal Opportunity Lender. Mortgage Center is an Equal Housing Lender, NMLS #282701.