Greater Nevada Credit Union Visa Debit Cards

You can do any of the following to activate your new GNCU Visa debit card:

• If you have lost your activation instructions on the card, simply call (866) 446-6805 and enter information to verify your identity to activate the card.

• If you would prefer to complete the card activation in person, visit a GNCU branch during business hours.

Yes. Contactless debit cards are safe because each transaction is accompanied by a one-time code that securely protects your payment information, similar to an EMV chip-enabled card.

If you’re receiving this message, your GNCU Visa debit card may be locked, or you may need to reset your PIN. You can do any of the following:

• Contact us online – Send the Member Resource Center a secure message through your Greater Nevada Digital Banking account.

• Call us – Call the Member Resource Center at (800) 421-6674.

• Visit a GNCU branch – Stop by your local GNCU branch during business hours.

If you have an already activated GNCU Visa debit card, then you can do any of the following:

• Contact us online – Send the Member Resource Center a secure message through your Greater Nevada Digital Banking account.

• Call us – Call the Member Resource Center at (800) 421-6674.

• Visit a GNCU branch – Stop by your local GNCU branch during business hours.

Tap and hold your debit card to pay instead of inserting or swiping where you see the Contactless Symbol. Contactless payments are securely completed using short-range wireless technology between a contactless card or payment-enabled device.

Please call the Member Resource Center at (800) 421-6674 or visit a GNCU branch during business hours to review your transaction history.

There can be several reasons that your GNCU Visa debit card would be denied.

• Insufficient funds in your checking account

• A worn-out strip or EMV chip

• A block on your card

• And more

For security reasons, the specifics of your situation must be handled in confidence.

Debit cards draw on funds from your checking account. Credit cards draw from your approved amount of credit. Debit card transactions usually happen instantaneously and can be seen in your account activity, while credit card transactions go toward a balance you’ll pay down at a later date–usually the end of the month and with interest.

ATM cards and debit cards may sound similar, but there are a few key differences. ATM cards are only for withdrawing money from an account at an ATM. Debit cards can be used to withdraw money from ATMs and to pay for purchases directly from a checking account.

If you see the Contactless Symbol on the front of your debit card, then it can make contactless payments.

The Contactless Symbol is usually on the payment terminal and shows you where to tap your debit card to make a contactless payment. On older terminals, the contactless reader may not be prominent.

If you need a new GNCU Visa debit card, the good news is that you have several options available to you. Choose which option works best for you, but please note that a replacement fee will apply after one free card per year:

• At a GNCU branch – If you need immediate access to your new debit card, you’ll need to visit a GNCU branch during business hours with a government-issued ID or driver’s license to process your request and print you a new permanent card.

• Contact us online – You can send the Member Resource Center a secure message through your Greater Nevada Digital Banking account to receive a new card through the mail. You’ll receive your card in 5 – 7 business days. You can then activate it by calling the phone number provided.

• Call us – You can call the Member Resource Center at (800) 421-6674 to receive a new card through the mail. You’ll receive your card in 5 – 7 business days. You can then activate it by calling the phone number provided.

Please note: A replacement fee will apply after one free card per year. Refer to our latest Account Terms and Fee Schedule for more details.

Some merchants may be enrolled in Visa’s Partial Authorization service. If you don’t have overdraft coverage, your transaction may still be approved for only part of your total purchase amount. This occurs when you don’t have a sufficient available balance to pay for the entire transaction at the time of purchase. Additionally, funds from your designated account(s) linked for overdraft coverage may be considered when determining the authorized amount.

For example, suppose you attempt a $50.00 purchase with your GNCU Visa debit card when your checking account’s available balance is only $30.00. In that case, your purchase may be approved for $30.00, and you can use an alternative form of payment for the remaining $20.00 instead of having the entire transaction declined.

Yes! If you visit a GNCU branch to get your new GNCU Visa debit card, you will set your custom PIN at that time. If you received a new card in the mail, you will set your custom PIN when you activate it by calling the activation phone number listed on the card.

Yes! Your GNCU Visa debit and credit cards will work in many foreign countries at locations that accept Visa. Our standard service fees may vary when you travel outside the US. An International Service Assessment may be applied to all transactions as outlined in our latest Accounts Terms. To ensure your destination is not a blocked country, please call the Member Resource Center at (800) 421-6674.

Please note: Foreign currency is not accepted, ordered, nor can it be processed at a GNCU branch.

Traveling? Let us know!

Spare yourself the possibility of having your card frozen due to unexpected activity. You can do it from your Greater Nevada Digital Banking account, or you can call the Member Resource Center at (800) 421-6674 to let us know your travel dates and where you will be going.

Bon voyage!

In most cases, yes. That being said, you may be charged a fee if you withdraw funds at ATMs that are not hosted by GNCU or included in the CO-OP Shared ATM network (which includes more than 30,000 ATMs throughout the country).

A contactless debit card has a chip that uses a near-field communication (NFC) antenna to enable close-range payments. Your payment is processed when you tap your contactless debit card on a payment terminal that supports contactless payments.