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Deposit Rates*
Checking / APY
Share / APY
Money Market / APY
Health Savings / APY

Loan Rates as low as*
Used Auto APR
5-Year ARM / APR
Visa® Credit Card APR

Debit Cards

Your Credit Union debit card offers a convenient way to access funds, make purchases and obtain account information in person, online or over the phone. We offer a variety of debit card services that will suit your needs.


Report Lost or Stolen
Security features and round-the-clock fraud monitoring help block potential fraud.

Contactless Payments
Check out in seconds with your contactless card1 and Visa’s® secure tap to pay technology.

Monitor with Alerts
Monitor your debit card activity on-the-go when you register for Debit Card Alerts.

Accepted Worldwide
Use at national Interlink® and Maestro® merchants and Visa merchants2 worldwide.

Pay without Plastic
Add cards to your digital wallet to simplify and secure your shopping with Mobile Payments.3

Statewide ATMs
CashPoints® ATMs are available across NC for 24/7 account access.4

Pay with Confidence
Our $0 liability policy for unauthorized purchase transactions means you are not responsible for fraudulent transactions on your card if reported in a timely manner. If you notice transactions that you did not make or approve, notify us immediately at (888) 732-8562. If you do not report fraud in a timely manner, we may not be able to reimburse you.

See your Account Disclosures for more details.

NCPAFCU Debit Cards
Card Type Account Required Daily Purchase Limit5 Daily Withdrawal Limit6
NCPAFCU Visa Checking $4,000 $1,000
Zard Visa Zard Checking $1,000 $200
NCPAFCU HSA Health Savings Account (HSA) $4,000 $1,000
CashPoints Global CashPoints Global (CPG) $4,000 $1,000
NCPAFCU CashPoints Share9 $4,0009 $1,000
Zard CashPoints Zard Share9 $5009 $200
FAT CAT CashPoints FAT CAT Share9 $5009 $200

Debit Card FAQs

Do you offer pre-paid debit cards?

No. We do not offer pre-paid debit cards. Pre-paid debit cards often come with a high number of fees to maintain and use. As an alternative, we offer a CashPoints Global (CPG) account and CPG debit card to help you control your spending and eliminate non-sufficient funds (NSF) fees.

Learn More About CPG Accounts »

How do I activate my card?

Visa debit cards, including CashPoints Global cards, can be activated by calling (866) 322-2377 or by completing a PIN-based transaction at any CashPoints ATM. CashPoints cards do not require activation.

Verify your contact information is correct to ensure easy card activation.

Update My Contact Information

How can I change my PIN?

You can change your PIN at any CashPoints ATM under the “My SECU” menu by selecting the More option.

If you forget your PIN, contact our 24/7 Member Services at (888) 732-8562 to request a PIN mailer.

Can I use my card while traveling?

All NCPAFCU debit cards can be used at CashPoints and PLUS® network ATMs and at national Interlink and Maestro merchants.5 Visa cards can also be used worldwide and online at participating Visa merchants.

Review our cardholder travel checklist and tips to plan ahead and avoid potential fraud before you leave.

Are there transaction fees for using my card?

Generally, there are no fees for PIN- and signature-based transactions in the United States, or for Press for Info voice response and CashPoints ATM4 transactions.

PLUS ATM transactions incur a $0.75 fee for completed transactions and a $0.35 fee for denied transactions. Third-party ATM operators may impose additional fees.

Your account will be charged an International Transaction fee of 1% of the US dollar amount of each international transaction (including phone or internet transactions conducted in US dollars with a foreign merchant). Consult your cardholder agreement for more information on how this fee is calculated and when it is charged.

See All Card Fees »

How do I report a lost or stolen card?

Report a lost or stolen card immediately by calling our 24/7 Member Services at (888) 732-8562. Representatives can assist you with replacing your card and reporting any fraudulent transactions.

What is the fee to replace a lost card?


If you think you’ve misplaced your card and would like to look for it before requesting a replacement, we can place a temporary block on your card while you search.

See All Card Fees »

Can I rush order a replacement card?

Yes. You can request a card be sent via overnight delivery for a $15 fee. All shipments must be delivered to a physical address, not a P.O. Box. You can request the card be shipped to your local branch for pickup if you do not have a secure mailbox for delivery.

How can I monitor my card for fraud?

We employ numerous security features and fraud monitoring programs to help protect you from potential fraud, including free, automated text alerts to your mobile device to verify irregular card activity.10

However, we can’t block all threats to your account. Protect yourself and monitor your account by registering your card for Debit Card Alerts so you can be notified in near real-time of selected debit card activity.

Register for Debit Card Alerts

How can I dispute a transaction?

You can dispute debit card transactions through Press Pass or by calling (888) 732-8562.

Dispute a Transaction

1 CashPoints cards are not issued as contactless cards and are not compatible with contactless payment technology.
2 CashPoints cards do not bear the Visa logo and cannot be used to complete Visa transactions.
3 CashPoints cards are not eligible for use with Mobile Payments.
4 NCPAFCU assesses a surcharge for withdrawals using certain non-NCPAFCU issued cards at CashPoints ATMs. You will be notified during the transaction before you are charged if the fee applies to your non-NCPAFCU issued card.
5 The daily purchase limit includes the maximum cash withdrawal limit per day. If cash is withdrawn, the amount available for purchases that day is reduced by the withdrawn cash amount.
6 Withdrawals can be made in multiples of $20 at CashPoints ATMs.
7 Funds in an HSA are for qualified medical expenses. Review our Health Savings Account for more information.
8 Card bears the Visa logo and can be used anywhere Visa debit cards are accepted.
9 A checking account is required to make purchases.
10 To receive Irregular Card Activity Alerts, you must have agreed to the terms of our Online Services Agreement and maintain your current text number with us. You can withdraw your consent to receive these alerts at any time by texting STOP or by calling our 24/7 Member Services.