Debit Card/ Credit Card Travel Tips

If you will be travelling and plan to use your MFCU Visa Debit card or your MFCU credit card, we recommend that you notify us in advance. Changes in your spending pattern, especially transactions made out of state or overseas, often trigger a security alert with our fraud detection system.  Following are five quick and simple steps to follow in regards to travelling with you CU card.

1. Notify the Credit Union – Avoid frustrating debit and credit card declines by notifying us of your travel plans. Due to fraud in different regions of the country and around the world your card may become blocked or denied if you do not notify us before traveling. Give us a quick call or stop by one of our branches before you head out of town so that we can ensure your card will work in those areas.

2. Know your card fees and daily spending limits – When traveling abroad your debit and credit card are subject to foreign transaction fees, up to 1%. Your debit card may also be subject to an ATM withdrawal fee when using another financial institutions ATM. Your debit card does have daily cash out and spending limits. Give the credit union a call before you leave to check your card’s limits. It is also a good idea to verify your credit card’s credit limit and the amount you have available to avoid in unexpected surprises.

3. Pack multiple cards – Even though we would love for you to only have cards with Members First Credit Union of FL, it is always a wise idea to have more than one card option in your wallet in case of an emergency. You never know when you could have a card damaged, lost or stolen while you are traveling. If you don’t have a credit card with the credit union consider applying for one as a back up to your credit union debit card. You may also want to carry a little extra cash on you just in case you find yourself somewhere cards are not accepted or card terminals are down.

4. Get your cards “travel-ready”  – Ensure all your accounts are set up for online access. Having account access at your fingertips allows you to monitor your spending while you travel. It is also a good idea to save your card’s toll free number to your phone or in another secure location for easy access in case of an emergency.

5. Watch for duplicate charges during your trip – Hotels and car rental companies typically place holds on your debit or credit card when making the reservation, if you decide to use another form of payment, there is a chance you could be charged twice. Always keep copies of your receipts so that you have proof if you need to settle any disputes during your trip. To avoid having the funds in your checking account tied up consider using a credit card rather than your debit when making hotel or car rental reservations.

If there appears to be fraudulent activity on your card, it will be temporarily until we verify the expenses with you. Contacting us in advance may help to avoid any inconvenience of not having your card available to you while away from home.