Debit & Credit Cards FAQs
Debit Cards
You can request a debit card at the time of account opening, unless explicitly requested to opt out of this service, you should receive a debit card within 7-10 business days, or directly in person at your local branch.
If you open your account in a branch, you may receive an instant-issue debit card, where available. Cards ordered by mail typically arrive within 7–10 business days.
When you use an out-of-network ATM and get hit with a surcharge, First U.S. automatically credits that fee back to your account — no need to submit a request or keep a receipt. The number of rebates you get each month depends on your checking account: Better Than Free Checking includes two automatic rebates per month, while Dividend Checking includes four.
Credit Cards
A Share Secured Visa is a credit card that is secured by funds held in a share account. The money in the account serves as collateral for the credit limit. As opposed to an unsecured credit card, where the limit is provided to you without having to provide collateral.
Yes. A cash advance fee will be assessed based upon the amount of the transaction.
No. Credit card payments are due monthly based on your statement balance. Even if you make additional payments, you’ll still need to make at least the minimum payment shown on each monthly statement by its due date.
You can access funds by presenting the card at a participating merchant, with your card and PIN to make a cash advance from an ATM, or giving your card number verbally, in writing, or electronically to a merchant to make a mail, telephone or electronic transaction.
If the card has a 0% introductory rate, pay the balance before the end of the introductory rate period. Otherwise, interest charges will be imposed as follows:
• For credit purchases, interest charges will be imposed only if you elect not to pay the entire New Balance shown on your monthly statement for the previous billing cycle by the Payment Due Date.
• For cash advances and balance transfers, interest charges will begin from the date of the transaction.
2% of the outstanding balance or $10, whichever is greater.
Credit history is not a consideration for loan approval. However, there are several other qualifying considerations, including ability to afford the payment, account in good standing and providing funds equal to 120% of your requested credit limit to secure the card.