Tips For Traveling

Planning a trip out-of-state or even outside the United States? Follow these helpful steps to get the most from your Visa® Debit and/or Credit Cards while traveling:

Before Traveling:

  • Register for free Visa Transaction Alerts to notify you where, when and how much was spent.
  • Notify the Credit Union before traveling by submitting a Travel Notification. By doing so, the fraud monitoring service will not place a block on your card(s) when making purchases out of your area or ordinary spending habits.
  • Check with the Credit Union to find out if your debit card(s) are subject to any daily spending or cash withdrawal restrictions.
  • Consider purchasing a Visa Travel Card. Travel Cards are safer than carrying cash and more convenient than carrying traveler’s cheques.

While Traveling:

  • Keep your Visa Debit and Credit Card account number(s), as well as the the lost/stolen customer service telephone numbers in a safe place (separate from your wallet or handbag).
  • If any problems or concerns arise pertaining to your Visa cards, contact the Credit Union by dialing the phone number printed on the back of your card or on your monthly statement. You may also contact Visa Global Customer Care Services (visit visa.com to locate the toll-free number appropriate for the country in which you are traveling.

Additional Tips For Traveling Internationally

  • Keep in mind when traveling outside of the United States, Visa charges a 1% International Transaction Fee for converting foreign transactions into US dollars; however, as a benefit to our Members we waive this fee on credit card purchases.
  • Foreign ATMs may not give you an option to select the Account you wish to withdraw cash from and automatically take funds from either checking or savings. The terminal owners determine which options are available on the ATM screen.
  • Try using ATMs during Credit Union hours; that way, if there’s a problem one of our Team Members can help you.
  • In some countries (particularly in Europe), merchants may be more familiar with accepting EMV chip cards (cards with an embedded chip) than magnetic-stripe cards. Visa requires that magnetic-stripe cards be accepted everywhere Visa is accepted.
  • In countries that have adopted chip technology, international visitors may continue to use their non-chip-enabled cards; most chip terminals will recognize and process a magnetic-stripe card.
  • If you encounter a merchant who is hesitant to accept a non-chip card for payment, encourage the merchant to swipe the magnetic-stripe card through the terminal and follow the terminal prompts to complete the transaction.
  • If you are using an unattended rail ticket kiosk or an automated fuel dispenser that does not recognize non-chip cards, present your card to an attendant or agent (e.g., at a ticket window).
  • In some countries, you may be prompted to enter your PIN at a merchant terminal. While cardholders do need to enter a PIN at an ATM, it is not necessary to enter a PIN at a merchant location for magnetic stripe cards. You should be able to bypass the PIN request and proceed with the transaction by clicking “OK” on the terminal.
  • If, for some reason, you are unable to use your Visa card to make a purchase at a merchant location, you should be able to obtain cash from a local ATM.
  • Please be aware that when making reservations with your Debit Card, funds may be immediately withdrawn from your account.

If you have any questions, we’re here to help you!

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