Debit Card

Central Maine Federal Credit Union has your back with chip technology
which provides enhanced security with every transaction.

Chip Technology

Your chip debit card has an embedded microchip for a more secure transaction.

You will also have the convenience

• Withdraw cash

• Check balances

• Pay bills

• And make purchases at participating retailers, all with one card

Important!

If your new chip debit card has the same number as your existing card, you will use your existing PIN. Once you have activated your new card, you will want to destroy your old card.

Tips & Tricks

• Activate your new card as soon as possible.

• Sign your card immediately; it is not valid until you sign it.

• Never reveal your PIN to anyone, and do not write it on your card.

• Use ATMs wisely, and be alert, especially in unfamiliar surroundings.

• Credit transactions benefit your credit union. If you do not see this option, ask for assistance.

To activate a debit card or create/change a PIN, call 1 (800) 757-9848.

Frequently asked questions

How Do I report my central maine debit card lost or stolen?

If you believe that your card has been lost or stolen or that someone has performed a transaction without your permission, call us at (207) 783-1475 during business hours and ask for our Card Services Department. During non-business hours, call 1 (800) 472-3272.

Can my child have a Visa Debit Card?

Yes. We may issue debit cards to a minor if the minor is at least 13 years of age, a parent or guardian is joint on the account that the debit card is tied to, and the parent or guardian signs on the debit card application. Please be aware that we pull credit when considering whether or not to issue a debit card.

How can I avoid surcharges?

You can avoid surcharges by using your Central Maine FCU Debit Card at any ATM owned by a Maine Credit Union that participates in the SurF Alliance. You can recognize an ATM machine that is a member of the alliance by the SurF logo on the machine.

• Click here for a list of SurF ATMs in Maine.

• You can also avoid surcharges by using one of 33,000 ATMs in the CO-OP Network. Click here to find CO-OP ATMs.

I would like to change my PIN (Personal Identification Number) to something other than the PIN sent to me. Can I do this?

You may change your Central Maine FCU Debit Card PIN number at our ATM located at 1000 Lisbon Street in Lewiston. You will need your current PIN number for this change option.

1. Simply insert your card and enter your current PIN number.

2. Select PIN change.

3. Enter your new 4-digit PIN.

4. Re-enter your new PIN for verification.

5. Your transaction will read PIN change completed.

6. You may then proceed with your transaction.

NOTICE: You may choose to change it yourself at the Central Maine FCU ATM by following the directions above or see one of our Card Services Representatives to assist you. There is no fee for our staff to change your PIN. You can also change your PIN yourself at our ATM.

If I lose my PIN, how do I get another one?

Call or come into the Card Services Department, and we can order the same PIN or have another PIN number issued.

I performed a transaction using my Debit Card, and the withdrawal from my account does not appear on my statement until several days after the transaction.

Some merchants have what is known as ''real-time'' functionality for their debit card transactions. This means that the withdrawal from your account occurs immediately after the transaction. Other merchants only submit their debit card transactions to payments once each day, every few days, or even once a month. This causes a delay between the time the transaction is performed by you and the time the withdrawal from your account occurs.

You should always assume that the withdrawal for your transaction will occur immediately and record this in your checkbook register. This will help you to avoid overdrafts on your account. Remember, never write a check or use your debit card unless you already have the money for the transaction in your account at the time of the transaction.

What is the difference between a debit and a credit transaction?

Both purchases will be deducted from your checking account.

When you select debit, the transaction is processed through an ATM network that requires you to use a PIN. When you select credit, the transaction is processed through the Visa network, and you must sign for the purchase. Using the "Credit" option helps your credit union because Visa transactions cost less and preserve your chargeback rights.

Should I select 'Credit' or 'Debit' at the point of sale?

You should select credit. If the merchant machine prompts you for a PIN, tell the store clerk you want to use the "Credit" option.

How do automated fuel dispensers work?

When you use your Central Maine Debit or Credit Card at an automated fuel dispenser (gas pump), the fuel dispenser merchant will try to authorize a hold up to $75.00 even if you are only planning to purchase $25.00 worth of fuel. This hold is then released. The $75.00 is then checked against the account for availability before approval is made. You need to have $75.00 in your account to purchase fuel from an automated fuel dispenser. If you want to purchase more than $75.00 in fuel with your debit or credit card, you will need to stop at $75.00 and re-authorize for more. Some fuel merchants may only authorize $1.00 and release the hold.

What is a pinless debit transaction?

We allow non-Visa debit transaction processing. This means you may use your Visa Debit Card on a PIN-Debit Network (a non-Visa network) without using a PIN to authenticate your transactions.

The non-Visa debit network for which such transactions are allowed is NYCE.

Types of actions required to initiate a Visa transaction on your Visa Check Card include: signing a receipt, providing a debit card number over the phone or via the Internet, or swiping the debit card through a point-of-sale terminal.