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Visa® Debit Card

Your Visa® Debit Card is your 24-hour tool for making purchases and accessing cash. Receive a Debit Card when you open an Advia Checking Account, or if you already have an account, call us today to have your card instantly issued.
Worldwide acceptance Powered by EMV Chip Card Technology Easy to use - simply swipe and sign, or use your Mobile Wallet solution to pay Use at any of our 35,000+ Fee-Free CO-OP Network & Alliance One ATMs Around-the-clock fraud monitoring protection
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Card Benefits
FAQs

Get the most out of your Visa® Debit Card.

Maximize your experience and take advantage of these additional products and services.
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FAQs

Frequently Asked Questions

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 cards 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. Please watch this video for additional help.

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 credit and debit 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.