Debit & Gift Cards


Time-saving convenience and security

You’re busy with work, family, and friends. You don’t have time to wait in line for check approvals. You like the financial control of having expenses deducted directly from your checking account.

With your Total Choice Debit MasterCard card you have the best of all worlds. Just like using your credit card, you’ll save time when making a purchase. And since debit purchases show up directly on your statement, you’ll have the added benefit of always knowing how much money you have in your account. Plus, you can have certain recurring monthly expenses automatically billed directly to your Total Choice Debit MasterCard card.

Worldwide Acceptance

Total Choice’s Debit MasterCard is accepted at millions of locations worldwide. No payment card is more widely accepted globally than MasterCard.

Report Lost or Stolen Cards Toll-Free

Members can report lost or stolen cards to 1-800-854-6219 (after hours).  Remember to report your lost or stolen card to the credit union as soon as you realize it is missing in order to eliminate the potential of unauthorized purchases.

Pre-paid debitCUMONEY’s Prepaid Debit Card

fund it. spend it. stay within your limits. Complete the application today and stop by any branch to drop it off!  

The power to manage your money is in your hands with our Total choice prepaid debit card.

You fund it with the specific dollar amount of your choice and re-load it with more money, as you need it, at any time.

Simple to use

  • Deposit money on the card from your Credit Union account
  • Make purchases at all VISA locations
  • Withdraw cash at an ATM
  • Add more funds at your convenience

Enjoy the Benefits

  • Use the card for managing your money
  • 24 hours a day / 7 days a week access
  • Deposit funds from your Credit Union checking or savings accounts via a secure website: (new window/tab)
  • Toll-free number to check balances, transactions or report a lost/stolen card: 1-877-850-9650
  • FREE website access at (new window/tab)
  • FREE over the counter cash advances
  • FREE text message alerts & emails regarding balances
  • FREE signature and pin-based Point of Sale transactions
  • 4 FREE VRU transactions per month, then $.50 for each additional transaction
  • 2 FREE live customer service calls a month, then $5.00 fee

Using your CUMONEY card

  • Just present your card at the time of purchase and the amount will be deducted from your card balance.
  • Your CUMONEY card offers all the protection and security features you’ve come to expect from Visa.
  • Call 1-877-850-9650 to activate your card.
  • Your initial PIN is the last 4 digits of your home telephone #.

Costs to Member

$3.00 one-time purchase cost; $1.75 monthly service charge to cardholder; $.50 to add funds (reload); $3.50 reissued expired card cost; $5.00 for card replacement; $1.50 ATM withdrawal; $.50 denied transaction fee; $3.00 inactivity fee if card is not used in a 3-month period; Low 1% foreign conversion cost; $.50 for each addition VRU transaction after 4 FREE each month; $5.00 fee for each live customer service call over 2 FREE per month.

Print an application (PDF – new window/tab).

Get Adobe Acrobat Reader DC

Christmas Tree gift cardThe Visa Gift Card is the perfect gift

You decide the amount and the recipient decides where to use it.  It can be used everywhere Visa Debit Cards are accepted!*

Fits any budget – You choose the amount ($25 to $500).
Safer than cash – Unlike cash, it can be replaced if lost or stolen.

To purchase a Visa Gift Card, visit any of our branch locations.

*The Visa Gift Card can be used at over twenty million locations worldwide wherever Visa debit cards are accepted.  Following 12 consecutive months of inactivity, a monthly fee of $4.95 will be applied to any remaining balance.