Debit Cards + EMV Chip Cards
Enjoy convenience with a Spirit of Alaska Visa debit card. Eliminate carrying cash or checks. Purchases are deducted automatically from your checking account, while at the same time providing protection and a secure way to pay for every day items.
We deploy the latest technology, fraud protection, and more with our Visa debit card, so you can use your card safely and securely wherever you shop. All Visa debit cards issued by us include the latest EMV chip technology.
We also provide instant issue cards. Open a checking account and get your EMV-chip Visa debit card immediately in the branch!
"We have enjoyed many years of membership with you, for that we thank you."- G.K.
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.
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.
Frequently Asked Questions
What are instant issue cards?
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.
- How do I activate my card?
When does my debit card start working?
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.
- What do I do if I lose a card?
How long do transactions take to clear my account?
It really depends on the merchant. Some merchants clear the transaction within hours of the purchase, some can take 3-5 days.
Where can I view my debit card transaction holds?
You can view your debit card transaction holds through e-Teller.
- Log in to your secure e-Teller.
- Click on your checking account
- Click on ‘view account holds’ on the side bar menu to the left
- What are instant issue cards?