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Advantis Credit Union
Online Banking
Online Banking Notice. Learn More.
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BOOST YOUR DEBIT CARD KNOW-HOW

Get what you need to know about your debit card

Debit Card Resources and Tools

Your Advantis debit card is a powerful account tool.


Your Advantis debit card is the perfect companion to your Advantis Checking Account. You can use your debit card like cash anywhere VISA is accepted, and make surcharge-free withdrawals from over 30,000 ATMs nationwide through the CO-OP Network.

Avoid ATM fees when you choose these options:

Debit Card Resources

How to active, replace, and report your card as lost or stolen – plus learn the key features of your card.




If you recently received a new Advantis Visa card, you can securely activate it online at www.activatemycards.com or by phone at 1-800-411-6390

You’ll need your Advantis member number and the last four digits of the primary cardholder’s Social Security number.

Questions? Please call us at 503-785-2528.
If your debit or ATM card has been lost or stolen, notify us and we’ll block all access to your cards immediately. We’ll also order a new set of cards for you right away.
Notify us online


You can report your cards as lost or stolen at: www.reportmycards.com. You’ll be asked to enter your card number, or other personal information if you don’t know your card number. This will immediately block all your cards and prevent them from being used by anyone else.


Notify us by phone

  • If you discover your loss AFTER business hours, please follow these instructions
  • Advantis Debit Cards (after hours) Call 800-682-6075.
  • Advantis ATM Cards (after hours) Call 800-547-5532 or 503-785-2528 and leave us a voice message, or email us. We’ll contact you the next business day.

If you discover your loss DURING business hours, please call Advantis at 503-785-2528 ext. 2154 or 800-547-5532 ext. 2154


Card replacement in person at a branch
If you’re near an Advantis branch during business hours after you notify us of your loss online or by phone, you can walk in to the branch and get your debit or ATM card replaced immediately.



Important Note:
Once you report that your card’s been lost or stolen, all VISA cards on your account will be blocked. We’ll order a new set of cards for you (we cannot release blocks on “good” cards when dealing with VISA cards).



You should call your local police department and report your loss. Record the case number of your report, as well as the name of the officer taking the report. We may ask you for this information.



Enjoy enhanced security and global card acceptance!
Your new card comes with chip technology, providing advanced fraud protection and account security. Chip technology is already in use in over 130 countries worldwide, so you'll also enjoy greater card acceptance when traveling internationally!


When will I receive a chip debit card?

You’ll receive a new chip card in the mail when your current debit card expires. If you don't want to wait and would like a chip card now, simply:

  • Visit any branch location and we'll issue you a new card instantly!
  • Or log in to Advantis online banking on a desktop/laptop, click the "More" icon on the left, "Account Tools", "Replace a Card" and complete a quick online request form (no phone call or branch visit required).
  • You can also call us during business hours (Monday - Friday, 8am-6pm) at 503-785-2528, option #5, then option #1.



Important note: 

Your card number will remain the same with your new chip card (we want to make it easy!)

How to use your new chip card

Follow the steps below when using a chip-enabled terminal (you'll notice a slot at the front of the machine). At all other terminals, swipe your card to pay.

card reader inserting card with chip first icon


 Step 1
Insert your card chip-first into the front slot of a chip-enabled terminal (instead of swiping). Follow the on-screen prompts.






icon chip reader card inserted


Step 2
Leave your card in the terminal for the duration of the transaction. You may need to sign to authorize the transaction




chip reader, inserting card icon


Step 3
Remove your card from the terminal once you've completed the transaction and take your receipt.






FAQs

What is a chip card?
A chip card is embedded with a microchip that enables a more secure form of payment.

How is a chip card more secure?
When you use your card in a chip-enabled terminal, a one-time encrypted code is used to transmit your card data for the transaction (rather than transferring data through the magnetic stripe). This code is virtually impossible to counterfeit, protecting your card data from being duplicated or stolen at the time of payment.

Where can I use my new chip card?
Your new chip card can be used anywhere VISA is accepted, including online!

Can I still swipe my card to pay?
Yes! Your card also has the traditional magnetic stripe on the back, enabling you to use it at merchants that have not yet adopted a chip-enabled terminal.

How does this relate to "tap & go" cards?
Chip cards use a different technology than RFID (radio frequency identification) cards that involve a “tap and go” process. You must insert your chip card into the terminal to complete your transaction.

Does this change the way I make online payments?
No. Nothing changes with your online payments.

Has my card information changed?
No, your card number remains the same. Any auto-payments you've set up should still process as normal.

Has anything changed with my card protection services?
No. Whether you make payments using chip-enabled terminals or swipe your card, you will continue to enjoy our fraud protection and monitoring service, as well as coverage by VISA's Zero Liability Policy. If your card is lost, stolen, or fraudulently used, you won’t be held responsible for unauthorized charges if they are reported within 60 days.

Do I pay an extra fee to have a chip card?
No. Advantis is covering the additional cost of this enhanced security feature as it’s important to us to provide the best security available for our members.

Do I still need to notify Advantis before traveling?
Yes. We recommend you notify us before traveling out of state or to foreign destinations to reduce the likelihood of service interruptions with your cards.

We take your account security very seriously. Fraud alerts for your Advantis debit/credit card(s) are just one way we can help you keep your information safe and protect you against fraud.



By email, text, and phone call

Advantis partners with Jack Henry Card Processing Solutions to continually monitor our members’ debit and credit cards for fraudulent activity. If our fraud-monitoring service detects a suspicious transaction on one of your card accounts, they will alert you of the transaction and ask you to confirm whether the charge was authorized. This feature allows you to take immediate action to help protect your account.


How it works:
  1. We detect possible fraud
  2. You receive an alert and respond
  3. We deploy additional fraud-prevention measures to protect your account  

How will I be alerted of a suspicious charge on my card?

You’ll first receive an email to confirm whether or not you completed the transaction(s) in question. If you don’t respond by email, our fraud-monitoring service will send you a text. If you don’t respond by text, you’ll receive a phone call.  If you don’t respond to any messages, this message cycle will repeat once more.



Do I need to respond?

Yes. For your account security, you need to respond to any fraud alert. This allows Advantis to either take immediate action to protect your account (if the charge was indeed fraudulent) or allow your account to be available for additional charges (if the transaction was authorized). When our fraud-monitoring service detects a suspicious transaction, they may block your card immediately for your protection. Rest assured, shortly after you respond to a fraud alert and confirm that you authorized the transaction in question, your card will be restored.



What will the fraud alerts look like?

You’ll receive a message from the Fraud Center notifying you of any suspicious transaction on your account and asking you to confirm whether or not the charge was authorized. Please know that these are legitimate messages sent by our fraud-monitoring service. Important note: Advantis and our partners will NEVER send you a message asking for your personal or account information. If you receive a message asking for this information, contact Advantis immediately and do not respond to the message.



Will I be charged for fraud alert texts?

No. These are free text messages and should not result in a charge by your cell phone company.



Can I opt out of receiving fraud alert messages by text?

Yes. If you receive a fraud alert by text, please first confirm whether or not the transaction was authorized. Next, simply respond “STOP” to the text message. You’ll continue to receive fraud alerts by email and phone in the future.



Do I need to do anything to enroll?

No. As an Advantis card holder, you’re automatically enrolled in this additional fraud protection service.


Please take these important next steps:

  1. Update your contact information with Advantis (if necessary).Have you moved recently or changed your primary email or phone number? Please let us know. We need your updated contact information so you can receive important alerts about your accounts.
  2. Save the Advantis Fraud Center number in your phone’s contacts.

Please save 1-800-417-4592 in your contacts as “Advantis Fraud Center”. If there’s a suspicious transaction on your account, you may receive a text message alert from this phone number. Please only use this number if you have received a fraud alert.  If you are concerned your card has been compromised but have not received a fraud alert, please call Advantis at 503-785-2528.


If you have any questions about this service, please email memberservices@advantiscu.org or call us at 503-785-2528.


You can register your Visa debit or credit card to receive purchase alerts via email and/or text* message when the transaction is processed through one of Visa’s networks: VisaNet, Interlink or the Plus Network.** You select the notification service and levels that are right for you. Register your Visa card now—it’s easy.

*Your cell phone carrier may charge a fee to send or receive a text message and message and data rates may apply. Please check your mobile plan or contact your carrier for further information.
**This service cannot alert you regarding purchase transactions routed through non-Visa networks. Visa Purchase Alerts work with VisaNet, Interlink and Plus networks.


 
 
 
 
 




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