Debit Cards | Cedar Point FCU (Lexington Park, MD)
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Debit Cards

 

Four Reasons to Use Your Debit Card this Mother's Day

This Mother's Day, 84% of U.S adults plan on celebrating the extraordinary ladies in their lives. Whether celebrating means flowers for mom, going on a special outing with grandma, or a heartfelt gift for her first Mother’s Day, U.S. consumers are expected to spend $259.04 on average this holiday. * Putting those purchases on a credit card means accruing interest if you don’t pay it off right away, and with online reservations or shopping, you can’t use cash. Here are a few reasons why you should use your debit card to make this Mother's Day extra special for mom:

  • Convenience. Your debit card is all you need in your wallet. Carrying bills and coins can be messy and heavy. Why go to the trouble when your debit card functions like cash?
  • Keep Spending in Check. Sometimes we can lose track of spending on a credit card, making the bill higher than we are willing to pay in a given month. If you choose your Cedar Point debit card instead, you can use digital banking to check your funds before you go shopping. You will know your limit and can make smarter choices on the go.
  • Avoid Paying Interest. With a credit card, you can carry a balance. If you are only paying the minimum balance each month, the interest can begin to add up. With a debit card, there is no interest because you are paying directly from your account at Cedar Point rather than borrowing with a credit card.
  • Track your purchases using CardValet. CardValet allows you to set and receive alerts, control when and how your debit cards are used, and monitor transactions – all from your mobile device. Using cash for purchases won’t give you the same alerts! Instant alerts let you know the moment your card is used. You can download CardValet from the AppStore or Google Play. 
 
*National Retail Federation. “Mother’s Day Spending Expected to Reach $34.1 Billion”. National Retail Federation. 28 Apr. 2025. https://nrf.com/media-center/press-releases/mother-s-day-spending-expected-to-reach-34-1-billion
 
**If you are traveling or making purchases outside of your home state, please remember to ask a representative to set travel exemptions for you ahead of time. 

Visa Debit Cards

The Cedar Point Visa Debit Card is convenient and easy to use, and is widely accepted wherever VISA is accepted. Your Visa Debit Card carries these limits:

  • Purchases - Limit per day - $2000.00*
  • ATM Withdrawal - Limit per day - $500.00*

These limits can be adjusted to accommodate special circumstances with a minimum 24 hours notice.

*Limits assume funds are available in account.

 

NEW! 55,000 ATMs added to our surcharge free network for members. Visit Allpoint Network or download the Allpoint ATM Locator app to find your closest ATM.

Locate an ATM

 

CardValet®

Easily track your debit card spending by downloading CardValet® from the AppStore or Google Play. Set and receive card alerts, control card usage and monitor transactions—all from your mobile device.

 Download CardValet®  
Apple App Store Google Play Store

Visa Gift Card Visa Gift Card

You can purchase a Visa Gift Card at any teller line for only $2.00 plus the funds on the card up to a limit of $1000.00 with a minimum of $10.00. Please note this card is not re-loadable.  Cards should not be used for hotels, car rental or gas purchases at the pump. Cards may be used at retailers in the United States and on the Internet wherever VISA Debit Cards are accepted. If you wish to register your card online, please request a PIN* and visit cumoney.com/gift.

Please be aware that a monthly maintenance fee of $5.00 will be charged by the card issuer beginning the 13th month from card activation.

*To request a PIN for your Visa Gift Card please call 1-833-729-2843. We are unable to set this PIN in our offices.

 

Lost or Stolen Visa Debit Card

For Immediate action on lost or stolen Visa Debit Card 24 hours a day, call:

  • 800-472-3272
  • International Service - 973-682-2652

When a card becomes compromised, it is extremely important to block the card as soon as possible to prevent Fraud. You may receive EnFact calls if there have been questionable transactions on your account. EnFact notifications (call or text) begin at 8:00 am Eastern Standard Time (EST) and cease at 9:00 pm Eastern Standard Time (EST).

If you receive an EnFact voicemail, you will be provided a case number to use when you call back. The company will have the information in advance and only need you to verify questionable transactions.

Visa Fraud/Risk monitoring call center: 1-800-262-2024

 

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