Debit and Credit Card Services
Get help with card issues
FAQs
A steady, disciplined approach will gradually increase your credit score over time, allowing you to secure lower rates on future loans. Learn more about managing your credit.
Find out all you need to know about the Credit Builder loan online.
Login to Digital Banking
Select Cards
Select Credit Card Services
Select Statements
Open or download a PDF version of a recent credit card statement
Typically, the credit card cycle ends on the 2nd of the month. Payment due date is the 27th of the month.
After your promotional rate has expired, the rate reverts back to the contracted annual percentage rate. Note that the annual percentage rate will vary with the market based on the prime rate.
A balance transfer fee is a finance charge paid in advance and displays as interest on the credit card statement.
Credit Union ONE has contracted with the credit card transaction processor, Payment Systems for Credit Unions (or PSCU) to handle inquiries related to Credit Union ONE credit cards. Credit card support, disputes, lost or stolen, and fraud related inquires may be discussed with a representative from PSCU.
A lost or stolen credit card may be reported by dialing 866-565-6171, available 24 hours a day or logging into digital banking and accessing the Card Management widget.
If you experience fraud or are disputing a charge on your Credit Union ONE credit card, dial 866-565-6171 or 888-918-7341 to report the issue. Hours of operations are (Monday thru Friday 7am to 10 pm est- Saturday 9am to 6pm est).
Points will accrue over four calendar years and will expire on a first-in-first-out basis annually; points earned in calendar year one will expire on the last day of the calendar year four. Thus, points earned in 2021 will expire December 31, 2024; Points earned in 2022 will expire December 31, 2025.
Earn 1 point for every $1 spent with your Achieve Rewards Credit Card.
Rewards Points can be redeemed for merchandise, gift cards, travel services and cash.
You can apply for a credit limit increase in any of the following ways:
Online at www.cuone.org
Step one: click “borrow” or “apply for a loan”
Step two: click “apply for credit card”
Step three: click “Credit Limit Increase”
Quick Apply Widget/Link
Choose Credit Cards
Choose Credit Limit Increase
Call 800-451-4292 and speak to a Credit Union ONE Representative
Credit card payments may be completed by:
Completing a funds transfer from other Credit Union ONE accounts inside Online or Mobile Banking
Clicking the Credit Card Services Widget in Online Banking, and then the Make A Payment link. Payments initiated here may be from other financial institutions, automatic, or set future payments
Calling Credit Union ONE at 800-451-4292
Calling the PSCU contact center at 866-565-6171
Log into Digital Banking, select Credit Card Services, click the 'Balance Transfer' link, and enter your balance transfer information.
Log into Digital Banking, select Card Management, select the credit card to transfer balance to, click 'Balance Transfer' and enter the required information.
Call PSCU at 866-820-3867 to request a balance transfer anytime, 24/7.
Visit a Credit Union ONE branch or call us at 800-451-4292.
You can utilize our credit card payoff calculator here to see what it will take to pay off your credit card balance and what changes can be made to meet your repayment goals.
- Login to Digital Banking
- Navigate to Credit Card Services
- Complete profile information if requested
- Click on Rewards Points displayed
- Choose Redeem and choose between cash back, merchandise, gift cards, or travel
Your daily debit card limit is $5,010 for purchase transactions and $1,010 for ATM cash withdrawals.
Contact Credit Union ONE at 800-451-4292 if you need to discuss a temporary change in transaction limits
Yes
Yes, a 1% foreign transaction fee will apply to purchase transactions completed outside the United States. A $1.50 transaction fee will apply to ATM transactions outside the United States. Additionally, the owner of the ATM may charge a surcharge fee for use of that ATM.
Points will accrue over four calendar years and will expire on a first-in-first-out basis annually; points earned in calendar year one will expire on the last day of the calendar year four. Thus, points earned in 2021 will expire December 31, 2024; Points earned in 2022 will expire December 31, 2025.
You may call our lost or stolen debit card line at 800-451-4292. Debit cards may also be reported as lost/stolen in Online or Mobile Banking under Card Management.
To change your pin, call our PIN NOW number 888-886-0083 and follow the prompts. Or visit any Credit Union ONE ATM.
Earn 1 point for every $3 spent with your Cash Back Checking Account Platinum Debit Card.
You can allow premium overdraft to pay for everyday debit card purchases if funds are not available. You must be approved for this service, which can be added and removed at any time at your request.
Rewards Points can be redeemed for merchandise, gift cards, travel services and cash.
To avoid a debit card from becoming restricted due to inactivity, you must use the card at least once within a 12 month period. To reactivate your card, contact the Member Contact Center at 800-451-4292 or visit any Credit Union ONE branch.
Yes, but you should inform Credit Union ONE with a Travel Notification. Transactions are blocked when fraud is detected on your debit card and Travel Notifications inform us that you will be using your debit card out of state in the place and time specified. This prevents our fraud department from flagging your debit card transaction as fraudulent.
You can complete a Travel Notification through Online Banking, by visiting a branch, or by calling the Member Contact Center at 800-451-4292.
Check and redeem Debit Rewards points in Digital Banking by selecting Cards, then Debit Rewards.
Call the phone number on the sticker on the front of the new card or call Credit Union ONE Member Contact Center at 800-451-4292 or visit any Credit Union ONE branch.
Replacement debit cards can be instant-issued at the branch for a fee of $5.00. Requests over the phone or via email/chat for replacement debit cards will be delivered via USPS for a fee of $5.00. Requests over the phone, email/chat for Rush Order replacement debit cards will be delivered via FedEx for a fee of $30.00.
Credit Union ONE is committed to protecting your accounts and monitors all debit transactions for fraud 24/7. If fraud or unusual activity is suspected, our automated fraud alerts allow you to instantly respond to suspected fraud on your account via text, digital voice or email.