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Frequently Asked Questions  Debit and Credit Cards

Debit and Credit Cards

1. How long will it take me to receive my new card?

Please allow 7 – 10 business days to receive your new card.

2. I have received my new card in the mail. What do I do now?

Please call our 24-hour telephone teller at 478.923.3773 or 800.241.2405, option 1 to activate your new card.  If you do not activate it before you try to use it, your card may be declined. If you use online bankign you can activate your card online.

3. Is there a limit on how much I can withdraw at the ATM in one day?

Yes.  You can withdraw up to $500 per day.

4. Is there a limit on how much I can use my debit or credit card for at a register    or online in one day?

Yes.  You are allowed up to $5,000 per day, whether you use your card with a PIN (Personal Identification Number) or sign your receipt. 

5. What if I need to use my card for more than $5,000 for a purchase?

If you will let us know in advance, we can temporarily increase your limits.

6. When using my check card, should I use debit or credit?

This is simply a preference.  If you choose credit, you will have to sign for your purchases.  Otherwise, you will enter your PIN when choosing debit. 

7. How do I stop a merchant from billing me monthly?

You will first need to contact the merchant directly to cancel any monthly subscriptions, auto payments or billings.  After you notify them that you no longer want to be charged and they continue to bill you, you may be able to file a dispute.  Click here for dispute instructions.

8. What do I do if my card is lost?

Report it immediately.  Click here to login and block your card using online banking or by calling our 24-hour telephone teller at 478.923.3773 or 800.241.2405, option 1.

9. How do I file a dispute on a transaction?

Click here to get more information on disputing a transaction.

10. When do I get credit for a transaction that I am disputing?

A provisional credit is posted to your account once we have reviewed your case and have all of the required documentation to process your dispute.  However if we find that more information is needed to process your dispute or we find that you do not have a valid dispute, we will contact you within 3 business days.


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