Debit Cards

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• Free Mastercard^® debit card accepted around the globe and online
• Enhanced security with the EMV Chip (issued to members whose cards expire February 2020 and beyond).
• Use your debit card to qualify for rewards with free Kasasa Cash^® and Kasasa Cash Back^®checking accounts
• Safer than carrying cash
• More convenient and safer than checks
• 24/7 access to funds via thousands of FREE ATMs nationwide (text your zip code to 91989 to find the nearest one to you)
• Easily withdraw funds from ATMs

NOTICE REGARDING P2P PROVIDERS: Austin FCU does not currently partner directly with any P2P payment providers such as Zelle, Venmo, CashApp, etc. While you are able to use your Austin FCU account with these services we do ask that you take care in giving any third party access to your funds. Any questions regarding setup, technical support, etc would need to be directed to those payment providers - Austin FCU staff are not able to assist with getting these services set up for you.

Falcon Fraud Monitoring

The Falcon Fraud Monitoring service monitors your transactions real-time to prevent fraud. Fraud notices will come to you via text or phone call. See the "Fraud Monitoring" drop down for more information. 

CardNav Debit Card App

Have full control over your Austin FCU Debit Card usage in a way you’ve never had before:

• Manage how, when and where your cards are used—on your own terms. CardNav enables you to set controls regarding the transaction types, geographic rules, and the merchant types where your card can be used.
• Turn any card on, or off—in seconds. It’s as simple as a toggle. Perfect for safety, security… and those scary moments when you’re not quite sure where your card might be.
• Ensure you are the only person using your cards. GPS capabilities can either limit where your card is used—or assure it’s only able to be used when with you.
• Turn your cards into active budget participants. Set dollar limits for transactions, and receive alerts when those limits are being reached. No more worrying about going over budget!
• Stop fraudulent activity before it even happens with the alert feature of CardNav. Based on your preferences, CardNav can send you a real-time alert when your card is used outside of your chosen preferences, giving you the power to deny the transaction or turn your card off. Alert preferences can be set by:
  • Location – based on where the transaction occurs
  • Transaction type – based on type of transaction at point of sale
  • Merchant type – based on the type of merchant where the transaction occurred
  • Threshold – based on the threshold amount set by the user (i.e. – transactions over $500 receive an alert) Want to learn more, or begin using CardNav now? Contact your credit union to find out if they participate. If they do, download the app and begin using CardNav immediately.

iPhone Android

NOTE TO BUSINESS ACCOUNT HOLDERS: Effective December 31, 2021 Austin FCU will no longer offer Debit or ATM cards on non-consumer accounts. Non-consumer accounts include any account that is used for non-personal purposes, such as any type of business, trust, estate, etc. 

Austin FCU cards come with daily processing limits and geographic restrictions to help protect you from fraud.

Most members have daily limits of $1000 for POS transactions and $500 for ATM transactions. In addition there is a "swipe limit" of 20 POS transactions, and 5 ATM transactions. (If your limits are different you would've received notice of that when you opened your account). We can always raise your limit for you if you need to spend a little more in a specific time frame. Give us a call or send us a message to have this done. 

If you plan to travel outside the US please let us know so that we can place a travel notification on your account to keep fraud monitoring from triggering due to the different location. If you’ll be taking a road trip (even in the US), it’s also a good idea to let us know since using your card in different cities on the same day can trigger a fraud case.

Travel Notifications

We utilize a service called FALCON to monitor member transactions for fraud. Each time you swipe your card, your transaction is assigned a fraud score based on amount, location, type of terminal, and many other factors. If that score is high enough, you will receive a call or text from our Fraud Department asking you to verify the transaction. In special cases, if the fraud score on a transaction is high enough, your card may be shut down immediately.

If your card has been restricted after-hours, please contact the Fraud Department directly to resolve the case at 888-241-2440. Unfortunately, if your card has fraud on it, we are unable to re-activate the card and will need to order you a new one. Please note FALCON will score transactions high if they are outside your geographical area, see Travel Notice for more info.

In order to receive Text Alerts Austin FCU must have your cell phone number on file. Log into No-line Banking in order to update your contact information.

If a transaction has cleared your account that you did not authorize, or you have attempted to dispute a transaction with a merchant but have been unsuccessful, please click the link below to initiate a debit card dispute.

If a transaction has cleared your account that you did not authorize, please call (888) 241-2510 immediately to cancel your debit card. Then proceed to the debit card dispute form.

An Austin FCU MSR will contact you via email in one to two business days regarding your responses to the form, and let you know what your next steps should be. Please keep in mind, that a dispute with Austin FCU does not supersede any agreement you may have made with a merchant, and should only be used in situations where no authorization was given, or where you have already communicated with the merchant regarding the dispute.

If you have any questions, please feel free to give us a call at (512) 444 - 6419 or (800) 950-8143.

Click here to proceed to the debit card dispute form.