Help Center Credit & Debit Cards

Credit & Debit Cards

Freezing your card, setting up card alerts, disputing transactions, and more

Activate Your Card

You can activate your card in digital banking.

  • On a mobile device & on a laptop: Select your checking account or credit card account from your dashboard (Accounts screen), then select Card Services. Next, select Activate Card and enter your card number, expiration date, and CVV.

You can also contact us to activate your card. And the number you dial depends on the type of card.

Dispute a Transaction

If a merchant mistake seems possible (for example, the same charge is listed twice, or you’ve been charged for an optional add-on that you didn't request), first contact the merchant to see if they'll resolve it on their end. They should if it's their mistake.

If the merchant can't (or won't) help, then file it with us, you have 60 days from the closing date printed on your statement to file a dispute.

Dispute ACH (Automatic Payment) or Check Transaction

Please call us at (800) 322-7228 or start a chat during business hours.

Dispute Credit or Debit Card Transaction

  • On a mobile device & on a laptop: From your dashboard (Accounts screen), go to the account with the transaction you’d like to dispute. Find it in your Transactions list, select it, then click or tap Dispute to start the process.

Or contact us: Call us at (800) 322-7228 or start a chat during business hours.

Freeze (Lock) Your Card

You can temporarily freeze your credit or debit card if you misplace it, and unfreeze it later if you find it.

  • On a mobile device & on a laptop: Navigate to the checking or credit card account, go to Card Services, and toggle the Freeze This Card on/off button.

Get a Debit Card

When you open a new checking account, you’ll automatically receive a debit card in the mail within 7–10 business days.

If you'd like to get one sooner, you can stop by a branch location to have one instant-issued to you. To save time at the drive-thru, fill out an Order Pickup Request in advance.

 

Get a Replacement Card

You can request a replacement card through digital banking if your old one was damaged.

  1. From the Accounts screen, select the account with the card.
  2. On a mobile device: Scroll down to Card Services and tap Manage My Card.
    On a laptop: Select Card Services
  3. Select “Replace a Damaged Card.”

You can also stop by a branch location to have one instant-issued to you.

For debit card pickup, we encourage you to fill out an Order Pickup Request to save time at the drive-thru.

Or if you can wait up to a week, we can mail it to you. Just call (800) 322-7228 or start a chat during business hours.

And while you’re waiting for your new card to arrive, you can still make online purchases with your temporary card info in digital banking. Here’s how:

  1. From the Accounts screen, select the account with the card.
  2. On a mobile device: Scroll down to Card Services and tap Manage My Card.
    On a laptop: Select Card Services.
  3. Select “View Card Details” to view your digital card with a temporary CVV and expiration date.

This option is good for one-time online purchases. Once you receive and activate your physical card, the digital version will update to match the real card.

View Your Digital Card

If you don’t have your card on hand or are waiting for it to arrive, you can still make online purchases by viewing your card details in digital banking.

How It Works

  1. From the Accounts screen, select the account with the card.
  2. On a mobile device: Scroll down to Card Services and tap Manage My Card.
    On a laptop: Select Card Services.
  3. If your card is already active: Select “View Card Details” to view a digital version of your card.
    If your card is still in the mail (not active yet): Select “View Card Details” to view your digital card with a temporary CVV and expiration date. This option is good for one-time online purchases. Once you activate your physical card, the digital version will update to match the real card.

Get Card Alerts

You can set up alerts for your credit or debit card to help you stay on top of card usage:

  • Set an alert for transactions over a particular amount.
  • Set an alert when a monthly spending limit has been reached.
  • Set an alert for international purchases.

Here's how:

  • On a mobile device & on a laptop: Select your account in the account list, go to Card Services, then choose Advanced Card Controls.

Get Cash at Checkout

Use your Affinity Plus Visa® debit card to check out and get cash back at participating retailers.

Select Yes to the cash back prompt on the merchant's point-of-sale terminal and enter the amount of cash you'd like to receive. If prompted, choose "debit" transaction and enter your PIN. The cash back amount will be deducted from your Affinity Plus account along with your purchase total, and the cashier will provide you with the cash.

Lost or Stolen Card / Report Fraud

If your card was lost, stolen, or if you had fraud, you can report it in digital banking.

  • On a mobile device & on a laptop: From your dashboard (Accounts screen), select the account associated with your debit or credit card, then select Card Services.

Or you can call (800) 449-7728 right away to deactivate your card.

We’ll mail you a replacement card, which will arrive in 7-10 business days. If you'd like to get one sooner, you can stop by a branch location to have one instant-issued to you. Or fill out an Order Pickup Request to save time at the drive-thru.