Visa Debit Card

Fort Bragg Federal Credit Union makes it easy for you to receive your Visa Debit Card instantly with in-branch instant issue. Once you open your checking account, a Member Service Representative can provide you with a card and PIN right at the branch. Plus, if your card is ever lost, stolen, or damaged you can receive an on-the-spot replacement.

The Go-Everywhere, Do-Everything Card

Most checkbooks can only do one thing — checking. Our Fort Bragg Federal Credit Union Check Card does this and much more. Our Fort Bragg Federal Credit Union's Check Card gives you a faster more economical, more convenient way to buy the products and services you need. That's because it allows you to withdraw funds from your checking account without ever having to write out a check. You can purchase groceries, gas, or anything else wherever Visa debit cards are accepted. With the Our Fort Bragg Federal Credit Union Check Card, every purchase is as simple as using a credit card.

When you receive your Fort Bragg Federal Credit Union Check Card, you'll also select a personal identification number (PIN). It's added security against someone making transactions without your consent. And, as an added safeguard, we provide a cap on your liability if your card is lost or stolen. Every month in which a transaction is completed, you'll receive on your statement, the date, location and amount of every transaction you've made. Our card goes beyond conventional checking. 

Debit Card Withdrawal Limits

Fort Bragg Federal Credit Union’s transaction limit for our VISA Debit Card “credit”(signature - without PIN) transactions is $3,000 per day and the “debit” (PIN) transaction limit is $500 per day. This limit is per debit card number.  For example, if you and your joint account holder have two separate debit cards, with different card numbers, you each would have these amounts available on your account, daily.

How do I change the limit on my debit card?

Debit card spending limits are set to minimize your liability against fraudulent spending. However, sometimes you may want to increase your debit card spending limit for an upcoming holiday or event.

If you plan to make a purchase or need to make a withdrawal in excess of your debit card daily spending limit, there are steps you can take to change the limit on your debit card.

  1. Contact your debit card provider to explain your situation

  2. Request a spending limit increase 

At Fort Bragg Federal Credit Union, we work with our members on a case-by-case basis to accommodate debit card limit increases.


Visa Credit Card

There are a lot of credit card offers out there. So does it really matter who issues your credit card? Actually, yes, it does matter. As a not-for-profit financial institution, our goal is to bring our members the best financial products and services with little or no cost. We want to make life better for our members and that shows in everything we produce, including our line of Visa credit cards.

By carrying our Visa card, you’re holding a credit card offer from someone you know and trust…Fort Bragg Federal Credit Union.

  • Unsecured Visa, check our low variable rates

  • Secured Visa, see the low variable rate

  • Limits up to $25,000

  • 25-day grace period 

  • No annual fee

  • No hidden charges

  • No cash advance fees

  • No balance transfer fees (restrictions may apply)

First-Time Borrower Visa Credit Card

We all have to start somewhere, right? And, it’s so important to build a good credit history and learn the responsible use of credit early in life. That’s why we are here for our young adult members who are ready to become first time credit card users. Fort Bragg Federal Credit Union’s First Time Borrower Visa Credit Card is designed specifically for first time borrowers who have not yet established a credit history.

Take Advantage Of:

  • Unsecured Visa, variable rate of 17.0% APR*

  • No annual fee - No hidden charges

  • No cash advance fees

  • 25-day grace period


VISA Prepaid Debit Cards

Need Purchasing Power? Now you have it!

The Fort Bragg Federal Credit Union Visa Prepaid Debit Card is a reloadable card you load with money to use everywhere Visa debit cards are accepted. You can pay bills, shop online or over the phone, get direct deposit, and even get cash at ATMs. Each time you make a purchase, the amount of that purchase is automatically deducted from the card balance. No credit check needed – simply sign up, add money, and start using it.

Now it's time to replace your current Fort Bragg Federal Credit Union ATM card!

• Cards order in branch or via mail
• Multiple load/reload options
• Don’t wait in line to cash your payroll check…have your employer direct deposit your funds onto your Fort Bragg Federal Credit Union Visa Prepaid Debit Card
• Accepted anywhere Visa is accepted; Select “Debit” or “Credit” to make point of sale transactions
• Track and review your card history at CUMONEY.com

If you have further questions, please call (877) 850-9650 or visit CUMONEY.com for details.

Please monitor your account consistently and if you see a suspicious transaction, please call (877) 850-9650 immediately. To block your card after business hours call (877) 850-9650. To obtain a replacement Visa Prepaid card, please call 877-850-9650 or visit one of our five branches.


Attention Visa Debit & Credit Cardholders: We may be calling you.

To protect your account, we monitor your credit and debit card transactions for potentially fraudulent activity which may include a sudden change in locale (such as when a U.S. issued card is used unexpectedly overseas), a sudden string of costly purchases, or any pattern associated with new fraud trends around the world. Should you receive a phone call and your caller ID shows 877-253-8964, it is our card processor fraud monitoring service that calls about suspicious VISA transactions. These calls are valid. It is a service of the credit union to help control fraud and it is all right for you to discuss/confirm VISA activity. Of course, should you have any questions, you can always contact Fort Bragg Federal Credit Union during business hours.  

If we suspect fraudulent credit, debit, or prepaid card use, we’ll be calling you to validate the legitimacy of your transactions. Your participation in responding to our call is critical to prevent potential risk and avoid restrictions we may place on the use of your card.

  • Our automated call will ask you to verify recent transaction activity on your card.

  • You’ll be able to respond via your touch tone keypad.

  • You’ll also be provided with a toll-free number to call should you have additional questions.

Our goal, quite simply, is to minimize your exposure to risk and the impact of any fraud. To ensure we can continue to reach you whenever potential fraud is detected, please keep us informed of your correct phone number and address at all times. In the meantime, please be diligent in monitoring transaction activity on your account and contact us immediately if you identify any fraudulent transactions. Here are some additional tips on protecting yourself from card fraud:

Protect Yourself

Unless absolutely required for a legitimate business purpose, avoid giving out your:

  • Address and ZIP code

  • Phone number

  • Date of birth

  • Social Security number

  • Card or account number

  • Card expiration date

Your PIN is private; never give it out.

In stores and at ATMs, always cover your card and PIN, and watch for:

  • Cell phone cameras, mirrors, or other tools used to view cards and PINs

  • People watching your transactions

  • Cashiers taking your card out of sight; take it to the register yourself

  • Any unusual activity at ATMs; if you feel uncomfortable, go to another ATM

Online, you should never respond to unsolicited emails that:

  • Ask you to verify your card or account number; such emails are not sent by legitimate businesses 

  • Link to websites; such sites can look legitimate but may collect data or put spyware on your computer


To Report Plastic Cards As Lost of Stolen After-Hours

During normal business hours

After business hours

From overseas, call collect


uChoose Rewards

Get the Rewards You Deserve ... With uChoose Rewards® 

  • What is uChoose Rewards?

    uChoose Rewards is a program where you earn points for using your Fort Bragg Federal Credit Union Visa® Credit or Debit Card. Redeem your points for a reward of your choice from a vast online catalog.

    Use your Fort Bragg Federal Credit Union Visa® Credit or Debit Card to start earning:
    • 1 point per $1 spent when you sign for your purchases
    • 1 point per $2 spent when you use your PIN
  • How Does the uChoose Rewards Program Work?

    It's very simple. Every time you use your Fort Bragg Federal Credit Union Visa credit card or debit card, you can earn points — as long as you’re registered with the uChoose rewards program. You can earn credit card rewards in your community by shopping online or at local stores.

    Once you’ve accumulated enough points, you can cash in your Visa debit and credit card uChoose rewards in Fayetteville or anywhere. Just check online to browse through millions of products, tickets, downloads and other merchandise you can buy through the online redemption catalog. 

    That's it! The program does most of the work for you, so all you have to do is keep using your Fort Bragg Federal Credit Union credit card or debit card regularly to watch the points rack up.
  • How Do I Get Started?

    Register your card(s) for uChoose Rewards today. Click Here and follow the prompts to create your User ID and password. This login allows you to view and track all of the points you earned. You can also redeem your points on this website.
  • I Don't Have a Fort Bragg Federal Credit Union Visa Credit or Debit Card. How Can I Get One or Both of Them?

    You can fill out an application for our debit card by filling out an application on our forms page, or just stop into one of our branches to apply and we can print it out in just a few minutes. You can fill out a loan application for our credit card by clicking here, or stop by one of our branches to apply.
  • Where Can I Earn Points?

    You can earn points in-store or online, and then redeem them for a wide array of products, travel experiences and activities, event tickets, merchant gift cards or e-certificates, MP3 and game downloads and much more!
  • Can I Share Points with Other Accounts?

    Yes! All cards within an account automatically earn points together. Just go to the Profile page after you log in to your uChoose Rewards account and click on the Learn How link.
  • How Can I Earn More Points?

    You can acquire uChoose Rewards in Fayetteville, NC or anywhere more quickly by shopping at participating retailers — both online and in your community. While all purchases made with your debit card or Visa card (once you register) count towards your credit and debit rewards program, some retailers allow you to earn more. To find a complete list of participating retailers that allow you to rack up points even faster, visit uChoose Rewards today.

    At your point-of-purchase, you can also earn double the points — one point for every dollar you spend — by using your Fort Bragg Federal Credit Union Visa card or debit card and selecting the “credit” option and signature (instead of your PIN) for the transaction.
  • How Can I Keep Track of My Points?

    The uChoose Cumberland County, North Carolina debit rewards program keeps track of points for you. You can always check your points balance by visiting your account online. You can also set up a wish list so you'll automatically be notified when you reach enough points to make the purchase you want.
  • What Can I Buy With My uChoose Rewards Points?

    If you’ve been looking for a worthwhile credit rewards program in Fayetteville, North Carolina, uChoose Rewards has good news: This credit rewards program in Cumberland County, NC allows you to earn points and then choose your own rewards.

    You can choose from millions of options, including tickets, experiences, events, electronics, travel options, consumer goods, games, merchandise, MP3s, e-certificates, gift cards and more.  Just log in to your uChoose Rewards to choose the item you would like from the redemption catalog.

EMV Chip Technology

  • What is EMV Chip Technology?

    EMV chips are small computer microchips embedded in to a credit or debit card. These chips are encrypted and make it much more difficult for fraudsters to steal your information at stores when you make purchases. 
  • How Does It Work?

    The computer chip generates a unique code for each purchase which makes it more secure than the traditional magnetic stripe on the back of the card which has the same code for every transaction. This additional security only works when you insert your card into a chip-enabled terminal. It cannot generate the unique codes when your card is used to make purchases online or is swiped instead of inserted at a store terminal.
    To use this new technology, you insert the EMV Chip Card into the card-reader and follow onscreen instructions until the purchase is complete. Don't remove your card until the machine tells you to do so. Your new cards will still have the traditional magnetic stripe on the back, allowing you to use it at merchants that don't have chip-enabled terminals.
  • What Does EMV Stand For?

    EMV stands for Europay, MasterCard, and Visa. It has become the standard for credit and debit cards in most industrialized countries including Canada and France.
  • What Does This Mean For My Fort Bragg Federal Credit Union Cards?

    Your credit and debit cards are going to have a new look and a new number. If you previously shared a card number with a family member, you will each get a new card with a new number. When you receive your new chip card, your card number will change.
    If you have recurring transactions, such as an automatic bill charged to your current card number, you will need to update the card information on file with the billing companies once you receive your new EMV card.

    This also means that if you have your account set up to automatically make payments to your Fort Bragg Federal Credit Union credit card, using your non-EMV card number, you will need to update that information as well.  
  • Where Can I Use My New EMV Card?

    You will be able to use your card at the same places you've been shopping but now the process may be slightly different. Instead of swiping your card at the register, you may be asked to insert the card instead. Your chip card will also make traveling easier and more convenient because chip cards are so widely accepted. Most merchants in other countries use chip-enabled terminals that work with your new card.Some bars, restaurants, and other store merchants do not have chip-enabled machines so you may have to swipe your card the same way you did before. However, we strongly encourage you to use chip-enabled machines whenever possible.
  • What About Transactions Online Or On The Phone?

    Nothing has changed for transactions made online or by telephone. You'll make payments just as you do with a card that doesn't have a chip.
  • Will I Still Have to Sign or Enter a PIN When I Use My Card?

    Just like with any other debit or credit card transaction, you will be prompted to enter a PIN if needed or you may be asked for a signature. Simply keep your EMV card inside the payment terminal and follow the prompts. If you are asked to input your PIN, enter the 4-digit number and press “Enter.” As always when entering your PIN, keep your number private and do not allow anyone else to see it.  
  • Will My EMV Card Work at a Retailer That Does Not Have A Chip Reader?

    If you are shopping with a retailer that has not yet made the change, you can still pay with your card. Your chip card also has a magnetic stripe, so you can swipe your card to make a payment.
  • Will I Be Able to Use My EMV Card When Traveling Outside the Country?

    Many American cards with chips will work with self-serve machines in Europe but you may still have to find a cashier to have your card processed automatically in some cases. Additionally, some retailers will still have American customers sign when using their chip cards. In other parts of the world, chip technology access varies.
    Check out our list of “off limits” countries for debit and credit card prior to travel. Remember to always bring cash and a backup form of payment when traveling.
  • Where Can I Learn More About EMV?

    Check out this video on EMV technology and how to use it.