EMV is a global standard for cards equipped with computer chips and the technology used to authenticate chip-card transactions. In the wake of numerous large-scale data breaches and increasing rates of counterfeit card fraud, you can feel financially safe knowing your debit card information is more secure when used during chip-read transactions.

Reduce your chances of fraud by using your card with merchants who have enabled chip reader devices. Swiping your card leaves you vulnerable as the card information embedded in the magnetic stripe is not encrypted.

Read More about EMV Chips

Have peace of mind with Visa’s extra security protections

With your help and Spirit of Alaska’s Visa® debit card security protections, we prevent, detect and resolve fraud. Protections include:

• • Limited Liability in the event of fraudulent transactions.
  • Access to Identity Theft Assistance to help you recover your identity and prevent further problems
  • A 3-digit security code to verify your identity for Internet and phone purchases
  • EMV Chip Technology that helps protect against card replication. See below.

EnFact Fraud Protection – 24/7 your card activity is being monitored for suspicious activity to protect your funds. If activity looks suspicious, Enfact’s fraud department automated call system will call you to confirm recent activity. EnFact will never ask you to provide your card number, pin number or bank account number.

There’s no waiting for your card to arrive in the mail here at Spirit of Alaska. We issue your card immediately after you are done opening your checking account! Our cards are unembossed (no raised numbers), which allows us to offer this great convenience to our members.

Along with Instant Issue, you can customize your card with a personal image.

See our Pricing Guide for any foreign currency exchange fees.