CARDS FAQ

HAVE QUESTIONS? WE HAVE ANSWERS!

 

This page is all about our different card types. From transaction limits to what to do if your card is lost or stolen. You can find the answers here!

 

  • You can use your debit card for Point of Sale transactions up to $2,500 per day as well as at the ATM up to $1,000 per day. You may contact us to have this limit raised temporarily.

  • There is no per day or individual transaction limit set on credit cards. The limit is the balance available on the card.

  • You can log in to Online Banking using your PC, laptop, or mobile device to check your credit card history at any time. Note: Online Banking only hold 90 days’ worth of transaction history. To look further back at your account, you will need to access your Electronic Statements.

    Visit our Enrollment page to get started with Online Banking.

    If enrolling in Online Banking is not an option for you, you could also call STAR our 24 hours automated telephone teller, contact us directly or stop by any of our locations.

  • If your card is about to expire, you can expect a new one to be mailed to you at the mailing address we have on file.

    If your card has already expired and you have not received a new one in the mail, please contact us directly or stop by any of our locations so that we can issue you one on the spot!

  • If you have not done so already, please contact the following telephone number, 1-800-472-3272 and select Option 2 when prompted to put a hold on the card.

    Once a hold has been placed on your card, please contact us directly or stop by any of our locations so that we can issue you a new card on the spot!

    If you do not live near a branch, contact us to have a new card mailed to you, via USPS. Note: Member assumes cost for expedited shipping, if requested.

  • You can call 1-800-472-3272 to activate your new card.

  • You can call 1-800-992-3808 to change the PIN to your debit card.

  • Great! Thank you for choosing FSFCU for your credit card needs. To apply, please visit our Online Application to get started. We have several credit card options to choose from. Please visit the Credit Card page on our website for full details.

    You may also contact us by phone or stop by any of our locations to apply for a credit card.

  • We have several credit card options to choose from. Please visit the Credit Card page on our website for full details and to apply today.

  • Please contact us directly and one of our associates can place a Travel Alert on your account to make sure you have no issues using your card during your travels.

  • If you have not done so already, please contact the following telephone number, 1-800-472-3272 and select Option 2 when prompted to place a stop on the card.

    Once a hold has been placed on your card, please contact us directly or stop by any of our locations so that we can issue you a new card on the spot!

    If you do not live near a branch, contact us to have a new card mailed to you, via USPS. Note: Member assumes cost for expedited shipping, if requested.

    You will then need to fill out and submit a Card Dispute Form.

 

Card Control FAQ

  • Our enhanced card management options allow you to:

    • Lock/unlock your cards

    • Limit transactions by location, merchant, transaction type or dollar amount

    • Easily add cards to mobile wallets (Apple Pay® and/or Google Pay™) • View subscriptions tied to a card and see where cards are stored online

    • Stay informed with alerts

    • View your spending via easy-to-read graphs

    • Get in-depth transaction details

    • Report lost or stolen cards

    • Quickly identify and report fraudulent transactions

    • Set up and manage travel plans

    • Activate your card when it arrives

  • Simply log in to our Mobile Banking app and tap “Cards” to get started.

  • No, only our institution’s credit/debit cards are supported.

  • Yes, multiple cards from our institution can be accessed via one Mobile Banking account.

  • No, the card will be automatically updated within our Mobile Banking app.

  • Verify in your App Store that you have the most current version of our app installed. If an update is needed, you will see “Update” in the App Store.

  • Transactions made with your cards are enriched and displayed. Teller transactions, wire transfers, and payments made via Bill Pay and ACH are not included. Enriched data includes the merchant’s name, logo, address and more.

  • Yes, the app shows the last 50 card-based transactions posted within the last 30 days.

  • Sometimes a merchant will pre-authorize the card for an amount that may be more than the spend limit you allow on the card. In this case, your card will be denied.

  • “Recurring Payments” are those payments that happen repeatedly on a schedule, for example, streaming subscriptions, cellular bills, or other monthly bills you pay with your card. “Card on File” is a list of merchants who store your card information for future purchases, like online retailers or delivery apps.

  • Select the transaction to view its details. If it was an in-person transaction, you should see a Google Map of the actual location the transaction took place. If you still don’t recognize the purchase, you can reach out to the merchant from the phone number listed on this screen.

  • Via our Mobile app, you can lock or unlock your card if you suspect fraud or misplace your card. You can even report lost and/or stolen cards without ever having to call a customer service number. Even limit transactions by location, merchant, and transaction type to control how your card is used. Plus, set up alerts to stay informed.

  • Yes. International transactions can be blocked under location controls. All transactions outside of your specified country of residence will be blocked.

  • Previously authorized recurring payments will not be affected by the card controls.

  • Control settings take effect immediately.

  • Alerts are sent as push notifications on your device. The alerts will also appear under “Messages” in the app.

  • Yes, an alert will be sent for all international transactions, whether they are allowed or denied.

  • No, alerts will all be included in one message.

  • Yes, the low balance alert is controlled on a cardholder level.

  • Yes, the app currently supports Google Pay™ and Apple Pay®.

  • The app allows you to set two travel plans at a time per card with a maximum duration of 15 days. If your trip exceeds this or you are travelling more than two times, you will need to update the app after each trip or after 15 days.

 

uChoose Rewards FAQ

  • It’s a rewards program that earns you points every time you use your Fort Sill Federal Credit Union Visa credit card and sign for your purchases. Redeem your points for any reward of your choice from a vast online catalog.

  • Visit uChooseRewards.com. Click the Register link (under New to uChoose Rewards) and follow the prompts to create your User ID and password.

  • You earn points every time you sign for your purchase, plus earn additional points for shopping at participating retailers, in-store or online through uChooseRewards.com.

  • We keep track of your points for you – just register at uChooseRewards.com and check your points balance anytime right on the homepage!

  • It’s your choice! You can choose from millions of options like merchandise, travel experiences and activities, event tickets, merchant gift cards and more.

  • Only credit cards can be enrolled in uChoose Rewards. In addition, if you have multiple credit cards with Fort Sill Federal Credit Union, you can link them together to earn rewards faster. Just log in at uChooseRewards.com, then visit the Preferences page and scroll down to Learn how you can Link Another Account to your Program.

 
 

If you live, work, worship or attend school in Comanche County, you may be eligible for membership.
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For information regarding fees, please refer to our Fee Schedule