Help Center

Activate Your Card

When activating your card, you must call from the number we have on file for you, and the one that's associated with your card. That's to protect your security.

And the number you dial depends on the type of card.

• Credit Card activation: (800) 631-3197
• Debit Card activation: (866) 985-2273

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 as 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 Live Chat during business hours.

Dispute Credit Card Transaction

• In either the mobile banking app or online banking, go to your credit card account.
• Find the questionable transaction in your Account Activity list and select the transaction.
• Click/tap "Dispute" to start the process.

Dispute Debit Card Transaction

• Digital banking: Submit a Debit Card Dispute secure request.
  You can find this form in online banking by going to Contact, and then click the "Dispute Debit Card Transaction" link on the left.
• Contact Us: Call us at (800) 322-7228 or start a Live Chat during business hours

Freeze (Lock) Your Card

You can freeze your credit or debit card at any time. This temporarily inactivates your card if you ever misplace it, and allows you to activate it again if you find it.

The Freeze option is available as part of Card Controls in digital banking.

• Mobile banking app: Navigate to the More screen and tap Manage Cards. Tap the Freeze this card on/off toggle button.
• Online banking: Go to Tools & Alerts and select the Manage Cards option. Select the card you want to freeze, and select the Freeze Card on/off toggle button.

Get a Debit Card

All members who open a new checking account will be issued a debit card. These are mailed to your address on file and arrive 7–10 business days within account opening.

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

Get a Replacement Card

If you need to replace a damaged credit or debit card, you can stop by a branch location to have one instant-issued to you.

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

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

Get Card Alerts

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 each time an international purchase is made.

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, select "debit" transaction. Enter your PIN. The cash back amount will be deducted from your Affinity Plus account along with the amount of your purchase. The cashier will provide you with the cash.

Lost or Stolen Card / Report Fraud

Call (800) 449-7728 right away to deactivate your card.

We will mail you a replacement card, and that will take 7-10 business days to be delivered. Or, for immediate replace you can stop by a branch location.