We Make Your Money Look Good!
Visa Debit Card
Are you still writing checks? Use Energy One’s Visa debit card instead of checks for purchases everywhere Visa is accepted. Also, get cash back with your purchase and save an extra trip to the ATM!
Save money—reorder checks less often, use the Visa debit card for free, AND get cash back with your purchase, saving ATM fees
Save time—breeze through the check out line with your card
Better record keeping—transactions come through in days, no more waiting for a check to clear, your statement shows exactly where your money was spent
Less hassle—more widely accepted than checks, you can use it out of town, take your account on vacation with you
Automatic Updater
Visa Account Updater will give your card information to your billers if you get a new card. This free service is automatically added to all our cards, but you do have the option to opt out of it if you don’t want the added convenience. Read more about VAU here.
Overdraft Option
An overdraft occurs when you do not have enough money in your account to cover a transaction. As a service, we can cover your overdrafts in two different ways:
- Pay overdrafts at our discretion; we do not guarantee that an overdraft will be authorized or paid
- Use overdraft protection to transfer available funds from another Energy One account you sign on or advance available funds from a line of credit upon application and approval
ATM and debit card transactions cannot be authorized when the network is down, and will be declined. If you opt-in, your transactions may be approved up to our standard off-line limits.
If overdraft protection is used to transfer funds and cover a transaction, a transfer fee applies. If we pay an overdraft an NSF fee applies. If you do not elect to cover your account with overdraft protection, your ATM and debit card transactions may be declined. Opting in minimizes the impact that system downtime has on your ability to use your card.
Business Visa Debit Card
Use your Business Visa debit card to pay for all your business purchases, wherever Visa is accepted at retailers, by phone or online.
For no extra charge, cardholders will receive the Visa business card benefits package, including things like:
- Travel and emergency assistance, 24/7
- Purchase security and extended protection plans, which automatically protect many of the purchases you make
- Visa auto rental damage waiver, which provides reimbursement for damage due to collision or theft of a rental vehicle
Identity Theft
Identity theft is one of the fastest growing crimes, but we want you to know that we value and protect your security. We have several measures in place that we offer our membership:
Visa debit card protection—EnFact
This automated tool will monitor your Visa debit card usage trends and notify you when any transactions seem out of the ordinary. For EnFact to work properly, we must have current, working phone numbers for you and a password on file. Please contact the credit union to ensure your information is up-to-date.
Zero Liability Policy
You are not liable for unauthorized purchases made with your Visa debit card, provided you notify the credit union promptly. Check your account history as well as the pending activity online frequently to spot transactions that may be unauthorized. Notify the credit union right away if your card is missing or if you find suspicious transactions.
SecurLOCK Equip
SecurLOCK Equip is a free mobile app that allows you to control how, when and where your debit card is used. SecurLOCK Equip replaces E1 Card Control, and is available for download beginning April 25, 2022. Click here to get started.
Gift Cards
Worried about showing up to a celebration empty handed? Stock up on gift cards and you will never have to worry again! Gift cards may be used wherever Visa is accepted. They may be loaded with any amount you choose, up to $2,000. They cost $3.50 each and are available at every branch. Stop by and pick yours up today!
Prepaid Cards
A twist on a gift card, prepaid cards may be loaded again and again, making them a great alternative to a checking account! Visa prepaid cards are the perfect tool for budgeting, vacations, or online purchases. They may be used wherever Visa is accepted, but they aren’t tied to your checking account. Prepaid reloadable cards cost $3.50 each, $2.50 for each reload and are available at every branch. You could also order a personalized one with the user’s name embossed for a one-time cost of $10! Contact your location branch with any questions.