Visa Debit Card

Two Cards. More Flexibility.

Xceed Visa® Debit Card

Cash is risky. Checks are passé. Use Xceed’s Visa® Debit Card and experience hassle-free spending.

  • Use at more than 15 million Visa® merchants worldwide
  • Make cash withdrawals fee-free at Xceed Financial ATMs and CO-OP ATMs
  • Withdraw cash, transfer funds, and access account information at Xceed Financial ATMs, shared-branch ATMs, and Visa® ATMs worldwide

Xceed Platinum Visa® Debit Card

If you want extra security, check out our Platinum Visa® Debit Card. You'll get additional features for a $25 annual fee:

  • Merchant discounts, free samples, complimentary gifts with purchases, and more1
  • Year-end summary statement availability
  • Roadside dispatch service from Visa On-Demand Roadside Assistance2
  • Personal identity theft protection3
  • Emergency card replacement and cash disbursement
  • 24/7 customer service in the U.S. and overseas

1Only Visa cards issued in the U.S. and in good standing are eligible for program participation; additional exclusions may apply. Offers subject to availability.

2Service providers supplying emergency roadside assistance and towing are independent contractors and are solely liable for their services. Neither Visa nor Xceed Financial Credit Union shall have any responsibility or liability in connection with the rendering of the service. Emergency roadside assistance and towing may not be available in areas not regularly traveled nor in “off road” areas not accessible by ordinary towing vehicles. Weather conditions, time of day, and availability of service may affect assistance responses. You are responsible for any roadside assistance or towing charges incurred by a contractor responding to your request even if you are not with your vehicle or your vehicle is gone upon the contractor’s arrival. Towing is available up to five miles. Tire changing requires the vehicle owner to have a strong, inflated spare tire. Lockout service does not include key replacement. Cost of fuel is not included in fuel-delivery service. Winching must take place within 100 feet of a paved or county-maintained road, and additional fees may apply for winching services under certain circumstances. These services are provided by the United States Auto Club, Motoring Division, Inc. This program may be discontinued at any time without prior notice. Program void where prohibited.

3Certain restrictions, limitations, and exclusions apply. Refer to your Guide to Benefits for complete details.

Learn more about Visa Checkout online shopping and enroll today.

Visa Purchase Alerts

Xceed Financial is introducing a new way to help prevent card fraud. By enrolling in the Visa Purchase Alerts service, you can get real-time purchase alerts when your card is used, allowing you to identify suspicious transactions.

Once you enroll in this free service, we’ll provide you with the following alerts and options:

  • You can enroll in purchase alerts that are triggered by a balance threshold, international purchases, and purchases made over the phone or online.
  • A text message or email will be sent to your mobile device when there is a qualifying transaction on your credit or debit card account.
  • If you receive an alert about a transaction you’re not familiar with, just call us so we can help investigate it!

EMV Cards

As part of Xceed Financial’s continued dedication to the security and protection of our members, we are pleased to announce that moving forward, all Xceed debit cards will be EMV cards. An EMV card, also known as a chip card, offers enhanced security for your transactions when used at a chip-enabled terminal or for online transactions.

What is a chip card?

  • Chip cards are credit or debit cards that have a computer microchip (a small metal square) embedded in them that provides an extra layer of protection when used in stores with a chip-activated reader.
    • As with mag stripe cards,these cards may require a secondary verification method (e.g., a signature).  

What are the benefits of chip cards?

  • Enhanced security – the microchip produces a one-time use code for each transaction, making it much more difficult for card information to be captured and reproduced for unauthorized transactions. 
  • EMV technology – also enables a one-time use code for mobile transactions and supports other security innovations, like tokenization, making online shopping more secure.
  • Travel – chip cards are accepted in 130+ countries. 

What does this mean for you?

  • A slightly different point of sale experience – instead of swiping your card, you will insert it into the chip reader and wait for authorization.
  • The chip card will still have the magnetic stripe for use at vendors who have not yet updated to chip card readers.
  • Phone and online transactions take place as usual.

Verified by Visa

Learn more about the extra layer of security provided by Verified by Visa.

Fraud Alert Services

By enrolling in our Fraud Text Alerts service, you can get real-time fraud alerts when suspicious transactions are identified on your debit card. The next time we contact you by phone to review suspicious charges on your card, at the end of the call you’ll have the opportunity to opt-in to receive future fraud alerts via text message.

Once you enroll in this free service, we’ll provide you with the following alerts and options:

  • A text message will be sent to your mobile phone alerting you that a suspicious transaction has been identified on your debit card.
  • Simply call the toll-free number provided in the text message to confirm whether or not you recognize the transaction(s).
  • If you do not recognize the transaction(s), we will block usage of your debit card and issue you a new card.
  • If you confirm that you recognize the transaction(s), your card will remain available for use.
  • You may opt out of the text alert service at any time by texting “STOP” in response to one of the fraud alert text messages.