Overview
Debit Cards
Your Spirit of Alaska Visa® debit card makes everyday spending easy—whether you’re fueling up in Fairbanks or shopping online.
Use it anywhere Visa is accepted. Add your card to your mobile wallet for contactless payments on the go. And with the Spirit of Alaska app, you can manage your card settings anytime, right from your phone.
Open a checking account and get your debit card on the spot—issued instantly in-branch.
Smart features, local convenience.
- Same-day debit card printing in-branch
- EMV chip security for secure in-store use
- Add to Apple Pay, Google Pay, or Samsung Pay for contactless checkout
- Full control with Card Controls in the app
- VISA accepted worldwide
- Limited liability on unauthorized purchases
Instant Issue = No waiting
No need to wait for the mail. We print your debit card right here, right after you open your account—so you can walk out ready to spend.
Traveling soon?
Let us know your travel plans ahead of time—either by phone, in-person, or using the Card Controls in our mobile app. It helps avoid card disruptions while you’re on the go.
See our Pricing Guide for any foreign currency exchange fees.
AROUND-THE-CLOCK SECURITY
Your debit card is backed by always-on protection—so you can spend with confidence, wherever life in Alaska takes you.
- Real-time fraud monitoring from EnFact
- Chip technology to protect against counterfeit use
- 3-digit CVV for secure online and phone purchases
- Limited liability in case of unauthorized transactions
🔒 EnFact watches for suspicious activity 24/7. If something doesn’t look right, you’ll get an automated call or text to confirm the purchase—but they’ll never ask for your personal or account information.
FAQ
FREQUENTLY ASKED QUESTIONS
Instant Issue cards are cards that are created at the branch. You don’t have to wait for your card to come in the mail! These cards can be customized with a picture from the credit union catalogue or customized with your own picture (upon pre-approval). Instant Issue Cards are un-embossed, meaning they have no raised letters.
Prior to using your card, you must call 1-800-992-3808 to activate it. The call must come from within the U.S. If you have questions, please contact member services at (907) 459-5900 during Spirit of Alaska business hours.
If you receive your card at one of our Spirit of Alaska FCU branches, the card will work the next business day (this does not include Sundays or holidays) after 9 AM.
If you get your card in the mail, the card will work once you call the number on the face of the card to activate it.
Call the call center during business hours at (907) 459-5900. Business hours are from 10-6 M-F; 10-4 Sat. After hours, call 1-800-472-3272
It really depends on the merchant. Some merchants clear the transaction within hours of the purchase, some can take 3-5 days.
You can view your debit card transaction holds through online banking.
- Log in to your online banking account
- Click on your checking account
- Click on ‘view account holds’ on the side bar menu to the left
"We have enjoyed many years of membership with you, for that we thank you."
- G.K.