Card FAQs

Card FAQs

PIN for your Debit Card can be changed at an ATM or by calling 1.877.746.6746. For security purposes, you will be asked for the primary account holder’s social security number.

Please report the lost card to Altana FCU immediately by calling 1.800.682.6075, or visiting www.reportmycards.com, this will block the card from any further purchases. Another option is to log into Altana’s online banking, go to “settings” then “cards” and block your card yourself. To get a new card issued, please call Card Services at 406.651.AFCU(2328). Report any suspected unauthorized activity.

You can withdraw up to $1050 per day ($1550 for a Business Debit Card), provided the funds are available in your account.

CO-Op network ATMs in the US are surcharge free to Altana members.

You may use your Debit card at any ATM, but there may be fees involved.

Although you use a debit card much like you would a credit card, the method of payment is different. When using a debit card, you are using the money from your checking account. The amount of our purchase must be available in your checking account at the time the purchase is made. When using a credit card, you are borrowing money against your available credit line. You pay that money back when you make your monthly payment.

Purchase transactions where your PIN is used are limited to $5000 per day, ATM withdrawals are limited to $1050 per day ($1550 for Business Debit Cards). Transactions using your signature are limited to $5000 per day or the balance in your checking account, including any Courtesy Pay coverage.

No, there is no fee to use your debit card for purchases.

There are two types of debit card transactions: debit (PIN) and credit (signature). When paying for a purchase, the clerk will ask “debit or credit?” When you reply “debit” to the clerk, it becomes a PIN transaction. You are required to enter your Personal Identification Number (PIN) after the card has been swiped. With PIN transactions, funds are withdrawn from your account immediately at the time of the transaction. When you reply “credit” to the clerk, it becomes a signature transaction. Signature transactions do not require a PIN but you do need to sign a slip to accept the transaction. With signature transactions, funds are authorized and held in your checking account at the time of purchase until the transactions posts to your account within 1 – 3 days.

Yes, if the funds are not available in your checking account at the time of the purchase but you have opted in to Courtesy Pay, the transaction will be processed.

Please report the lost card to Altana FCU immediately by calling 1.800.682.6075, or visiting www.reportmycards.com, this will block the card from any further purchases. Another option is to log into Altana’s online banking, go to “settings” then “cards” and block your card yourself. To get a new card issued, please call Card Services at 406.651.AFCU(2328). Report any suspected unauthorized activity.

Be sure your Altana VISA Credit Card and/or VISA Debit Card will be available for use! Due to a high volume of fraudulent activity in certain areas, your VISA Credit card may be temporarily blocked from use.

Visa Credit Card Blocked Locations: New York and Germany

Debit Card Blocked Locations: Mexico, Illinois, Texas, Florida, Pennsylvania, New Jersey, Rhode Island, Massachusetts and Nevada for transactions that are below $50.

This includes payments being processed through these states. For uninterrupted service, please contact Altana at 406-651-AFCU (2328) before you travel.


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