Debit Cards

Quick, Convenient and Digital Wallet compatible.

  • Use wherever MasterCard® is accepted
  • Surcharge-free access at 30,000+ ATMs
  • Use with ApplePay, Google Pay, & Samsung Pay

Pay your way with an Adventure Debit Card

Quick and Convenient.

No matter which of our checking accounts you choose, your MasterCard® debit card is free* and eligible for our optional round-up savings program.

  • Use wherever MasterCard® is accepted
  • Use in-person or online
  • Use with ApplePay, Google Pay, or Samsung Pay
  • Use like an ATM card at 30,000+ surcharge-free ATMs nationwide 

MasterCard® Debit Cards open up opportunities for Michigan members in Grand Rapids, Lansing and beyond. Remember to activate your new debit card by calling 877.205.0726.

Security and Protection

  • If your card is lost or stolen, call our 24-hour hotline at 833-933-1681.
  • Adventure Credit Union uses a fraud monitoring service. If you ever have a transaction(s) that appear suspicious, you may receive a call or text asking you to verify the transaction. Valid transactions can sometimes trigger a fraud alert.  As such it is important to consider the transaction carefully, then respond to the alert.
  • We recommend that you set up alerts in Digital Banking to notify you every time your debit card is used. This will help you recognize any unauthorized charges immediately.

Lock Your Debit card

  • We recommend that you use our Mobile Banking App to lock your debit card when not in use. This will prevent an unauthorized use of your debit card.

ID Safe Choice

  • Remember, Adventure Credit Union offers ID Safe Choice, a professional identity theft recovery service for our members.

ApplePay

Get started with these resources from the Apple Support website:

Google Pay

Get started with these resources from the Google Pay Support website:

Samsung Pay

Get started with these resources from the Samsung Pay Support website:

PROTECT YOUR DEBIT CARD AGAINST DECLINED TRANSACTIONS 

Don't risk the hassle, expense, and embarrassment of a declined debit card transaction due to insufficient funds.

Step 1: Link your checking account with an Adventure Savings account or Personal Line of Credit. In the event of an overdraft, money will automatically transfer from your linked account to cover the transaction in your checking account. There is a $5 fee per overdraft transfer.

Step 2: If you do not have sufficient funds in your linked account to cover your transaction, Courtesy Pay may be available**, if you request it. Call or text us today at 800-323-2129 to check your Courtesy Pay status or to enroll your account.

With your consent, Courtesy Pay will cover:

  • Written checks
  • Scheduled/recurring debit transactions
  • One-time debit card transactions
  • ATM withdrawals

Courtesy Pay is subject to a $35 fee per transaction.

When you're not using your debit card, you can use our Online Banking site or Mobile Banking app to lock it so that transactions are unable to be processed. If you get in the habit of unlocking your card only when you need to use it, you're nearly always protected from unauthorized use of your physical card or card number.

How to Guide:

  1. Log in to Online or Mobile Banking
  2. Click "Cards" on the menu
  3. Click "Lock Card"
  4. When you're ready to use your card again, return to the Cards screen and click "Unlock Card"

If you have more than one debit card on your account, you scan swipe to the right or click the arrow to move between cards. Each card will be locked/unlocked individually.

Our Online Banking site and Mobile Banking app allow you to set up a "Debit Card alert" that will notify you via text and/or email whenever your debit card is used. If you get an alert when you know you haven't used your card, you can quickly review the transaction in digital banking, then contact the credit union for assistance.

How to Guide:

  1. Log in to Online or Mobile Banking
  2. Click "Settings" from the menu
  3. Click "Alerts"
  4. Click the "My Alerts" tab
  5. Click the "Add New" button
  6. Select "Debit Card" from the Alerts menu
  7. Select your desired options from the available fields and click "Save"
  • Please tell us about your travel plans so we can put temporary exclusions on your card. Using your card in new places, distant from your home can cause your card to be flagged for suspicious activity. Notifying us in advance can help avoid these situations.
  • Make sure you have a backup card when you travel in case your primary card is lost, stolen, or impacted by fraud. We suggest having both an Adventure debit card and VISA credit card.
    • You can apply for a new VISA credit card or limit increase on an existing VISA by visiting a branch, applying online, or calling 800.323.2129, and selecting option 4.

Schedule an Appointment

  • Be sure to set up alerts on all of your Adventure cards. Debit card alerts can be configured in digital banking. VISA credit card alerts can be configured via eZCard, also within digital banking. Alerts help monitor your account and notify you of any changes so that you can respond quickly.
  • Whenever you travel, make sure you have your credit union account number with you. If you need to visit a Shared Branch credit union location, their tellers will need your credit union name and account number.
  • Whether you are at home or traveling, the best way to mail us a VISA credit card payment is to send your check to: Adventure Credit Union PO Box 895 Grand Rapids, MI 49518

 

Checking Accounts

We'll help you find the right account.

Learn More

Frequently Asked Questions

Accounts are available for children, pre-teens and teens. To acquire a debit card for a minor account, a form must be signed by both the minor and the parent or guardian on the account. To sign this form, stop into your local branch. Have additional questions? Give us a call or text us at 800-323-2129.

Yes, Adventure debit cards are compatible with ApplePay, Google Pay, and Samsung Pay. Just follow the enrollment instructions for your digital wallet of choice.

Yes, Adventure Credit and Debit cards will work internationally. There is no fee to use your debit card internationally. However, merchants may charge their own fee for international transactions or there may be a fee for the currency conversion. If you are unsure, reach out to the merchant first. If you are planning on traveling, please submit a travel notification in digital banking. After logging in to your account, select Support, then Messages to send us a message regarding your travel dates and locations. Or give us a call or stop into your local branch during business hours.

If you are planning on traveling protecting your credit and debit cards is vital. We suggest getting a travel notice in place. To submit a travel notification, log in to your online banking and select Support, then Messages to send us a message regarding your travel dates and locations. Or give us a call or stop into your local branch during business hours.

Adventure Credit Union provides multiple layers of protection to ensure you have the purchasing power you deserve all year long. The first line of defense is allowing overdraft transfers from a share account or line of credit. The next line of defense is Courtesy Pay.

Changes in federal regulations require Adventure to receive your consent before we cover overdrafts on items such as everyday debit and ATM transactions. If you have not told us that you want your overdrafts covered, you run the risk of having your debit card declined when you need it most. However, by giving us your consent, you will enjoy peace of mind knowing your credit union will pay your transaction in the event of an overdraft up to an approved limit for a fee. Call our Contact Center today at 800-323-2129 to enroll your account or stop into your local branch.

Spare Change Savings is the round-up savings account that deposits extra change into your account by rounding your payment to the nearest dollar every time you use your MasterCard Debit Card. The round up is deposited into your Spare Change Savings account. Withdrawals are allowed anytime!

We are part of the cooperative (CO-OP) network, so members of Adventure have access to over 30,000 surcharge-free ATMs, 5,000 shared branch credit union locations, and more than 2,000 self-serve locations. Find an ATM or Shared Branch location near you now.

Card and Account Alerts can be configured in Digital Banking. Log into your account, then select your profile icon in the upper right corner. From the menu, choose "Settings." Then select "Security," and "Manage Alerts." You can then configure alerts on the "My Alerts" screen.

Adventure Credit Union is a full-service credit union in Michigan with branches in the Greater Grand Rapids and Lansing areas. All those who live, work, worship or attend school in the State of Michigan are eligible to join.

*Your first debit card is always free. Replacement debit cards may be charged a reissuance fee.

**Courtesy Pay is subject to approval. Not all members will qualify for Courtesy Pay.