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Help & Guidance

Using your credit or debit card globally FAQs

Elite cardholders do not pay foreign transaction fees. Azure cardholders pay foreign transaction fees according to our schedule of rates and fees (PDF).

If you conduct a transaction in a non-US dollar currency, Visa® will convert the amount to US dollars. Visa uses either a wholesale market rate or the government-mandated rate in effect on the day the transaction is processed. This rate may differ from the rate in effect on the sale date or billing statement date. Visa rates are non-negotiable.

If you live outside the US and intend to make credit card purchases online, please contact us for billing information.

When you travel, we encourage you to set a travel notice at least 48 hours before your trip. Doing so tells us that you are using your card away from home, and we will not lock it. If you purchased your airline ticket with a UNFCU card, we have all your details. You do not need to add a travel notice.

  • Carry only the identification, payment cards, and documents needed.  
  • Shred unwanted documents containing personal/financial information. 

Yes, you can use your credit card for recurring payments of a fixed amount. Simply provide your service provider with the credit card information they require. Your card will automatically be charged when the payment is due. If your credit card is replaced, you will need to give your new card information to the service providers.

You can use your UNFCU debit card around the world. View our fees and service charges for withdrawals at ATMs that are not part of the Co-op and Allpoint networks. If you use your debit card for purchases outside the US, Visa will charge foreign transaction fees. Foreign transaction fees incurred at ATMs are eligible for rebates when you qualify for Member Loyalty Rewards.

If you plan to use your debit card when you travel, we encourage you to set a travel notice at least 48 hours before your trip. Doing so tells us that you are using your card away from home, and we will not lock it. If you purchased your airline ticket with a UNFCU card, we have all your details. You do not need to add a travel notice.

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