NFCU CUCard/ATM Card for Purchases?

[UncleB]

I just got a push notification and email from NFCU that my CUCard will be expiring in November, and I need to use it at an ATM or for a purchase if I want them to send a new one.

That last part intrigued me... "for a purchase."  🤔

Has anybody done with with a NFCU CUCard?  Keep in mind this isn't the Visa debit card, this is the ATM-only card that you get with the share/savings account (if you don't have a checking account).

I've used MC/V debit cards for so many years now it never occured to me the NFCU non-Visa debit card might be able to make purchases if the PIN is used. 

Has anybody done this recently with a NFCU CUCard, or other non-MC/V debit card? 

[creditfan]

I let mine expire without doing anything because I don't use debit cards 

[cashorcharge]

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@UncleB wrote:

I just got a push notification and email from NFCU that my CUCard will be expiring in November, and I need to use it at an ATM or for a purchase if I want them to send a new one.

That last part intrigued me... "for a purchase."  🤔

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Perhaps "boilerplate" verbiage?  Completely get your point which makes me think the messages aren't custom and to your point, why reissue a card to someone that isn't using it.  

And No...I haven't used an ATM Debit card to make a purchase in MANY years. The non-debit card I did have...never got touched

[BearsCubsOtters]

I have received this email in the past from NFCU for my Visa debit card. A security feature I guess. But my using it to withdraw cash seemed to do the trick because they issued a new one to me at expiration of the old one. 

[CreditCuriosity]

I just got the same email.. Use in x days or will be closed and a new one wont be issues or something along those lines. As long as they don't close my checking account or CLOC I can care less about the debit card as debit cards other then CMA's or my primary bank ATM/debit cards are liabilities to me as some can and can't be locked etc..

[UncleB]

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@CreditCuriosity wrote:

I just got the same email.. Use in x days or will be closed and a new one wont be issues or something along those lines. As long as they don't close my checking account or CLOC I can care less about the debit card as debit cards other then CMA's or my primary bank ATM/debit cards are liabilities to me as some can and can't be locked etc..

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I hear ya... I'm usually the same, but I only have the savings account with them (no checking) and in the past when I've made withdrawals I've used a no-fee ATM to get cash.

If I have a chance (or rather, if I remember) I might try to buy a candy bar with the card just to see what happens.  I don't know if store terminals expect a DDA for ATM debit transactions or if they simply default to whatever account is designated as 'primary' on the card.  It'll be an interesting data point either way.

[Tazman81]

As far as I can remember, I thought the ability to purchase items at the merchant with the CUCard was only if you had a checking account with NFCU.  Hopefully others can jump in with other data points, but when we had a "house savings" account with NFCU, we had a CUCard to access that account at the ATM.  I remember trying to use the card and PIN at Lowes or something, but it kept declining.  When I asked NFCU about it, they said POS transactions can only occur against a checking account.  This was many many moons ago, so I do not know if anything has changed because I have the VISA Debit card.  Let us know if you find something different.

[EAJuggalo]

25 years ago before I got a checking account I was able to use my ATM card at certain places like a debit card.  Walgreens I know was one and the local chain of grocery stores was another.  It requested a PIN just like an ATM.