Home | Locations | Contact Us | SCU Online for Mobile Devices | Register for SCU Online | Forgot Username/Password


Debit Cards

24/7 payment and cash access

You automatically earn points on your State Credit Union Visa® Debit card or Visa!

With an SCU checking account, our Visa Debit card offers
convenient payment and cash withdrawal options:
  • Pay from your checking account at millions of Visa merchant locations worldwide, by phone and on the Internet.
  • Faster and cheaper than a check, safer than cash and as easy as using a credit card.
  • Set up automatic payments from checking quickly.
  • Earns UChoose Rewards points on every "signature" purchase.
  • You’re not using credit, so there are no finance charges.
  • Your statement provides a record of your spending.
  • Use the same card to get cash at merchants and thousands of ATMs
Already have an SCU checking account but no Visa Debit card? Click here for a form you can fax to request yours.

If you don't have a checking account, an SCU ATM card can give you 24-hour ATM access to your savings account.

1. How soon do my debit card transactions get subtracted from my account?

Using Your Visa Debit Card
It's easy--just present your card to the merchant, sign the receipt and go.   There’s no need to enter your PIN -- just select “credit” on the keypad and sign your receipt.  The money is still deducted from your checking account.  Learn more about how debit transactions are processed.

Need cash?  Save a trip to the ATM and request cash back.  Simply insert your card, enter your PIN when requested and indicate the amount you would like in addition to your purchase.

Earn Rewards for Using Your Own Money
ALL SCU Visa Debit cards are automatically enrolled in UChoose Rewards, a points-based program that lets you earn merchandise, travel or cash. You can let the points accumulate (they're good for four years) and work toward a big-ticket reward, or redeem them with as few as 2,000 points.

Don't Worry, It's Safe
With a Visa Debit card, you can avoid carrying large amounts of cash.  Plus, you won’t need to provide confidential information to a merchant like your address, phone number or driver’s license number. And, if your card or card number is ever lost or stolen and used for purchasing anywhere, whether in a store or online, you’re protected from unauthorized use.  Your liability for unauthorized transactions is $0 under Visa’s Zero Liability policy if reported within two business days.

When shopping online, Verified by Visa can give you even greater security.  It is a free, simple-to-use service that confirms your identity with an extra password you create.  You'll enter the extra password when you make an online transaction to assure that only you can use your Visa Debit card online.

Activate Verified by Visa for your SCU Visa Debit card here.
(Do not use this link for your Visa credit card.  To learn more about Verified by Visa for your Visa credit card, click here.)
NOTE:  If you previously enrolled in Verified by Visa, please be aware that recent security upgrades require you to establish a new password.  When you make an online purchase with your Visa card and are re-directed to Verified by Visa, you will see the following message:

"Re-Authentication Required for Purchase"

"Due to migration of the platform and recent security upgrade, a new password will be required for the Verified by Visa or MasterCard SecureCode program. We apologize for any inconvenience."

Please follow the instructions provided to set up your new password.

  |     |  

SC State Credit Union 800-868-8740 | 803-343-0300