Frequently Asked Questions

Yes, Visa credit and debit cards can both be used internationally, wherever Visa cards are accepted. For example, you may use your card(s) anywhere there is a NYCE, PLUS or Visa logo. Visa and MasterCard assess a non-determined international fee for transactions processed through their network. In addition, the ATM owner may assess a fee. Fremont Federal Credit Union does not impose any additional fees. If you are traveling in the near future, please call the Branch at (419) 334-4434 and submit your Travel Plans so we can notate it in the system.

Note: While "chip cards" are being issued in Europe, European merchants can still accept U.S.-issued cards (with magnetic stripes on the back). If a European merchant says they cannot accept your card, simply ask them to try your card to get an authorization.

Fremont Federal Credit Union updated their Debit cards to the EMV Chip debit cards in early summer 2016. Current FFCU debit cardholders received a replacement debit card in July 2016. If you don’t have a Fremont Federal Credit Union debit card, stop by a FFCU branch to apply for a new EMV Chip card today! 

To dispute a credit or debit card transaction, first contact the merchant and attempt to resolve the dispute directly with them. Please make sure to document your attempts. If the merchant is unable to resolve the dispute to your satisfaction, contact Fremont Federal Credit Union to begin the dispute process through Visa^®.

Since Visa requires disputes to be made in writing, please complete and return the Cardholder Dispute Form or visit any branch for a copy. Include your documentation detailing your attempts to resolve the dispute.

In accordance with federal regulations, upon receipt of your credit card dispute, the transaction amount will be placed in a dispute status. Dispute status will withhold the amount from the payment due and from being assessed interest while the dispute is being processed.

In accordance with federal regulations, we have 10 days to investigate debit card disputes or fraud claims to determine if provisional credit is warranted. However, in many cases, you will receive provisional credit to your account within 7-10 business days.

Please note: If you have fraudulent transactions on your account due to a lost, stolen or compromised card, do not contact the merchant. Instead, complete the Cardholder Claim of Fraud, making sure to include the police report case number if required. In some cases, the form will need to be notarized. We have notary services available at all of our branch locations.

Once the Cardholder Claim of Fraud has been received, the fraudulent balance will be transferred from the new account back to the blocked account

There is no charge for making a purchase with your Fremont Federal Credit Union VISA check card.

No. We do not charge a fee when you get your first ATM/VISA Check Card but if you lose your card there is a $5.00 replacement fee.

You may withdraw or make purchases up to your $1,000 daily limit or the available account balance (whichever is lower) in any one day unless otherwise authorized.

The terms "debit card" and "check card" mean the same thing. A debit card withdraws money from your checking account as a check does; therefore, it debits your account. It can also withdraw money from your savings account, if you have it set up that way when you ask for a card. It can be used to make purchases at any retail establishment that displays the VISA logo.

ATM/Debit Chip Cards

• For a Lost/Stolen Number – 1-800-543-5073
• Pin Change Number – 866-297-3411
• Card Activation Number – 800-543-5073

These numbers are available 24/7.