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| Debit Card |
| A debit card and ATM card combined. Can be used at most ATMs. May also be referred to as a check card. |
| Backed by Visa -- Accepted everywhere Visa is accepted. |
| When your purchase is being authorized at a merchant, the purchase amount is compared to the total available in a member's checking, savings, and Anytime Access accounts. Also, because of the way Debit Card transactions are handled through Visa, it could take up to a week for a purchase to be posted to your account at the credit union. |
| ATM Transactions: To avoid ATM charges, use ATMs that are part of the MoneyPass or CO-OP Network systems. Look for those signs on the ATMs. To locate those ATMs, click here. | | If non-MoneyPass or non-CO-OP Network ATMs are used, there is a $1.00 fee per transaction. |
To report a lost or stolen credit or debit card, call: 1.800.234.5354
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| ATM Cash Card |
For members who prefer not to use the Debit Card, we offer a separate ATM card.
Note about making Balance Inquiries on a non-credit union ATM:
On credit union ATMs in St. Cloud and Sartell, we allow our members to get ATM balance inquiries on both their checking and savings accounts. We cannot guarantee you can do this on any other ATMs. Most other financial institutions allow ATM balance inquiries on either checking or savings, and most often it's on checking. This applies to both cards -- our combination Debit/ATM card and ATM Cash Card.
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 | Visa Gift Card |
St. Cloud Federal now offers you VISA Debit Gift Cards.
| Prepaid disposable VISA debit card |
| Use anywhere VISA cards are accepted. |
| Purchase them from any credit union Teller. |
| Cost: $3.95 | | More convenient than giving cash -- the recipients of the card can use them in person, on the phone, or online. |
You have several options for ordering VISA Gift Cards:
| In person at the credit union |
| By phone |
| Online. Online orders have a slightly higher fee because the cards are personalized with the recipient's name. |
| Card recipients have 24/7 access to their account information, by phone or online. Phone: 1.866.244.5360 | | They can check their balances and transaction history, report lost or stolen cards, and settle disputes. | | Click the ad below for more information. You will be leaving the credit union's web site, and you will be re-directed to http://www.libertygiftcard.com/. |
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 | | Health Savings Account (HSA) Card |
The HSA Card is a debit card attached to your Health Savings Account at the credit union. Use your card as needed when you make payments at your doctor's office. It's a VISA card, so it's accepted world-wide.
For complete information, and to order your card, visit the credit union in St. Cloud or Sartell.
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 | | MasterCard DebitPass Card |
The DebitPass Card is:
The DebitPass Card works just like a debit/check card:
Get your card from the credit union today. Once you receive your card, you can reload it with funds any time, in person at the credit union or by phone.
To reload by phone, call toll-free: 1.877.755.1474 between 7 a.m. and 7 p.m. CST.
Note about Pop-Up Blockers in your web browser: You may need to turn off pop-up blockers in Internet Explorer in order to use the DebitPass Card login.
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