Card controls
Manage your debit and credit cards from anywhere, 24/7.
Managing your debit and credit cards is easier and more secure with our advanced card controls and alerts. Whether you’re at home or on the go, you can stay in control with powerful features designed to protect your finances and give you peace of mind.
With these tools, you can:
- Lock and unlock your card if it’s temporarily misplaced, helping prevent unauthorized use
- Report your card as lost, stolen, or damaged and order a replacement
- Set travel notices so your card works wherever you go
- Customize card usage by merchant type, dollar amount, zip code, and more
- Receive real-time alerts for specific transactions like ATM withdrawals, in-store purchases, and online or phone orders — so you can spot and respond to suspicious activity immediately
Stay protected with automatic fraud alerts
Keep your account secure with real-time fraud alerts. When you share your mobile number with us, you’ll automatically receive alerts via text message or pre-recorded voice calls, helping you quickly identify and respond to suspicious activity.
Questions about your debit or credit card? Send us a secure message in digital banking or call us at (800) 338-6739.
How do I activate my debit card?
Dial (866) 985-2273 to activate your debit card.
- Enter last 4 digits of Social Security number
- Enter CVV number on back of card
- Enter card expiration date
- Enter your 4-digit PIN (Personal Identification Number)
If you are experiencing issues, please contact member services at (800) 338-6739 for assistance.
Are there currency conversion fees to use my Empeople debit card internationally?
Empeople does not charge a conversion fee to use your debit card outside of the United States.
Why is my debit card not working?
There are several reasons your card may be restricted:
- Suspicious transactions are unable to be verified by our fraud department
- Repeated invalid PIN entry
- Reaching maximum daily withdrawal limits
Please contact member services at (800) 338-6739 or by sending us a secure message in digital banking.
My debit card is expiring. When can I expect a new one?
The expiration date on your debit card means that it can be used until the last day of the month shown. A new card is ordered at the beginning of the month in which it expires. It takes approximately seven to 10 business days to receive the card.
Can I change my debit card PIN?
Yes, please dial 866-985-2273 from the primary phone number listed on your account to change your debit card PIN.
- Enter your 16-digit card number
- Enter the last four digits of your Social Security number
- Enter your card’s three-digit CVV code
- Enter your card’s four-digit expiration date (mmyy)
- Select option 1 to change your PIN
How can I get my PIN for my Empeople debit and/or credit card?
For Visa® debit cards please call (866) 985-2273.
For Visa® credit cards, please call Visa® Card Services at (888) 886-0083.
Which Empeople Visa Credit Card is best?
Empeople offers three Credit Card Programs: Platinum, Platinum Plus and Signature. Depending upon how you use your card, our three card programs pay you back with a Lower Interest Rate, Merchandise and Travel Rewards or 1.5% Cash Back
Empeople Visa Signature offers 1.5% Cash Back, every day, on every purchase and no rotating categories.
Empeople Visa Platinum offers a lower interest rate, which may benefit you if you carry a balance – up to 1% less than Platinum Plus.
Empeople Visa Platinum Plus offers rewards, one point per dollar spent. Redeem Points for Travel Rewards, Merchandise, Gift Cards or redeem points as a cash rebate to your Empeople savings or checking account or Visa statement credit.
What is the maximum limit on a Credit Card?
Credit limits are based on individual credit history, credit score, income and relationship with the Credit Union. To learn more you may call us at 1-800-338-6739.
Do you have a Credit Card with rewards?
Yes we do. Our Visa Platinum Plus card has all the great benefits of our Visa Platinum card, plus Rewards! For every dollar you spend in purchases, you earn rewards points. Use your points to choose from travel and merchandise rewards along with event tickets, gift cards and account credits. Rewards are subject to terms and conditions.
Plus, the Empeople Visa Signature Card offers 1.5% Cash Back. No rotating categories, no limits, rewards do not expire and there is no annual fee.
Applying for your Empeople Visa is easy. You can either complete an application in Online Banking (once logged in, click on Loan Requests tab), or call us at (800) 338-6739.
Can I get my Credit Card interest rate lowered and do you match other credit unions' interest rates?
Empeople offers Best in Market rates for all deposit and loan products. We do not match competitor rates on credit cards nor do we lower the interest rate on cards. We monitor our cards based on credit scores and adjust the rate according to our credit card agreement.
Can I request a Credit Card limit increase online?
You can apply for a Visa credit card limit increase in Online Banking. Once logged in, click on the Loan Requests tab or call us at (800) 338-6739.
How do I activate my Visa Credit Card?
You may activate your Visa credit card by calling the number listed on the sticker on the front of the card or by calling Visa Card Services at 1-800-631-3197 24 hours a day, 7 days a week.