FAQs



1. GENERAL
  • 01. What is a credit union? Is a credit union like a bank?
  • 02. Who is eligible to join ASI Federal Credit Union?
  • 03. Once I become a member, can family members join, too?
  • 04. How can my company become affiliated with ASI Federal Credit Union?
  • 05. Why do I need a savings account? I just wanted a loan.
  • 06. How do I change my address, phone number or e-mail address?
  • 07. What are your hours?
  • 08. What are co-op Shared Branch Service Centers? Where do I find them?
  •  
    2. CHECKING
  • 01. What is ASI's routing number?
  • 02. How can I re-order checks?
  • 03. What happens when I bounce a check?
  • 04. What is the easiest way to transfer my checking account from another financial institution?
  • 05. How do I stop payment on a check?
  •  
    3. DEBIT CARDS
  • 01. What if my ATM or Debit Card is lost or stolen?
  • 02. What if a purchase posts to my Checking Account that I did not authorize?
  • 03. What does it mean when I use my Debit Card and the clerk asks, "debit or credit?"
  • 04. Does my Debit Card have spending limits?
  • 05. How much cash can I withdraw at an ATM?
  • 06. What is a Foreign ATM machine?
  • 07. At which ATM’s can I use my card?
  • 08. Will I be charged for using an ATM belonging to another Financial Institution?
  • 09. How will I know if they are going to charge me?
  • 10. I can’t remember my PIN (Personal Identification Number), do I have to get a whole new card?
  • 11. Should I notify ASI if I will be traveling out of town or out of the country?
  • 12. Can I uses my ASI debit card to rent a car?
  •  
    4. ONLINE BANKING
  • 01. How do I enroll in Online Banking?
  • 02. I recently signed up for Online Banking. How do I change my user name or password?
  • 03. Do I need any special programs to access Online Banking?
  • 04. Can anyone access my account?
  • 05. Can I transfer funds from my account to my kid’s accounts through Online Banking?
  •  
    5. BILL PAY
  • 01. Why should I try ASI’s Bill Pay?
  • 02. How do I set up Bill Pay, and who can help if I have a Bill Pay question?
  • 03. Can I make payments from any of my ASI accounts?
  • 03. How do I set up a payee?
  • 04. How do I set up my payments?
  • 05. Can I cancel a pending payment?
  • 06. Can I change the date of a payment I have set up?
  • 07. Can I stop a payment?
  • 08. How long does it take for a payment to reach a merchant?
  • 09. When is my payment withdrawn from my account?
  •  
    7. WIRE TRANSFERS
  • 01. How can I wire money to another financial institution?
  •  
    8. PLASTIC CARDS
  • 01. Is there an annual fee charged on my credit card?
  • 02. What is the transaction fee on credit card cash advances?
  • 03. What is the maximum processing time for a payment to be applied to the VISA credit card?
  • 04. Is there an over the limit fee charged on credit cards?
  • 05. What are my payment options?
  • 06. Should I notify ASI if I will be traveling out of town or out of the country?
  • 07. Why am I receiving a new card?
  • 08. Can I still use my old ASI Visa Credit card?
  • 09. How do I activate my new card?
  • 10. Can I leave my activation label on my card?
  • 11. Will I have to pay any fees to use my chip card?
  • 12. How does my chip card protect my information?
  • 13. Am I still protected by Visa's Zero Liability Policy*?
  • 14. Where can I use my chip card?
  • 15. Can account data from a Visa® chip card be stolen and fraudulently used?
  • 16. Do I need to use a PIN with my Visa® Credit chip card?
  • 17. I’m not sure I’ve seen a chip-activated terminal. Is there anything different about how I pay?
  • 18. Why do I need to leave my card in the terminal?
  • 19. Can I still swipe my card to pay?
  • 20. I tried to use my card at a chip-activated terminal but it didn’t work. Why?
  • 21. Has my credit card information changed?
  • 22. What if my card is lost or stolen?
  • 23. What do I do if I notice suspicious activity on my account?
  • 24. I have not received a chip card yet. Do I need to apply for one?
  • 25. What if a notice activity in my Checking Account that I did not authorize?
  • 26. What does it mean when I use my Debit Card and the clerk asks, "debit or credit?"
  • 27. Does my Debit Card have spending limits?
  • 28. How much cash can I withdraw at an ATM?
  • 29. What is a Foreign ATM machine?
  • 30. At which ATM's can I use my card?
  • 31. How will I know if they are going to charge me?
  • 31. Will I be charged for using an ATM belonging to another Financial Institution?
  • 32.. I can’t remember my PIN (Personal Identification Number), do I have to get a whole new card?
  • 33. Is there anything I cannot purchase with my debit card?
  • 34. Do I need to use a PIN with my new Debit card?
  • 35. Can I still access my account at the ATM?
  • 36. I have not received a chip card yet. Do I need to apply for one?
  • 37. Has my Debit Card information changed?
  • 38. Will I have to change my PIN?
  • 39. What is Verified by Visa?
  •  
     
     
    1. GENERAL
     
    Q: 01. What is a credit union? Is a credit union like a bank?
    A: A credit union is a not-for-profit financial cooperative, owned and operated by its members and governed by a volunteer board of directors. The credit union philosophy is one of "people helping people." Rather than paying profits to stockholders, credit unions return earnings to members in the form of dividends and improved member services. Loan and dividend rates are frequently more favorable than those available at commercial lending institutions.

    Although the structure and philosophy behind credit unions are unique, in some ways credit unions are indeed like banks. They offer many of the same services, and each depositor is insured up to $250,000 by the National Credit Union Administration.

    Back to Top

    Q: 02. Who is eligible to join ASI Federal Credit Union?
    A: You are eligible for membership with ASI if you live, work, worship or attend school in Westwego, Bridge City, Waggaman, Avondale, Gretna, Harvey, Marrero, South Kenner, Orleans Parish, Lafourche Parish, or St. Tammany Parish. You are also eligible for membership if you are an employee or relative of an employee of any one of our 600+ Select Employee Groups. If you have a family member who lives in the eligible area for membership and is not a member you can still join. 
    Back to Top

    Q: 03. Once I become a member, can family members join, too?
    A: Yes! Membership is open to all immediate family members, including your spouse, children, parents, siblings and grandparents. If you have a family member who lives in the eligible area for membership and is not a member you can still join.
    Back to Top

    Q: 04. How can my company become affiliated with ASI Federal Credit Union?
    A: Having your company become a Select Employee Group is easy! Just call us at 504.733.7274 and we'll get your company set up.
    Back to Top

    Q: 05. Why do I need a savings account? I just wanted a loan.
    A: Your savings account establishes your membership with the Credit Union. You may open your initial account at any ASI branch. There is a one-time $6 membership fee and a $5 minimum savings balance to activate your account. Members must maintain this $5 par value of a share in each share account at all times. 
    Back to Top

    Q: 06. How do I change my address, phone number or e-mail address?
    A: This could be completed at any of our branches or you may do it directly by logging into EASI and changing it. You would click on the "Self Service" link located at the top right hand side of the page.
    Back to Top

    Q: 07. What are your hours?
    A: You can access your account 24 hours a day/ 7 days a week through our online banking system EASI, Mobile banking or our audio response teller DASI. To find a list of our branches and hours please click the Locations button at the top of this page.
    Back to Top

    Q: 08. What are co-op Shared Branch Service Centers? Where do I find them?
    A: Co-op Service Centers allow credit unions to share branch locations across the country. This concept shows the cooperative nature of credit unions and allows members to have access to their accounts at thousands of additional locations. You must bring your membership number and valid id.
    Back to Top

     
    2. CHECKING
     
    Q: 01. What is ASI's routing number?
    A: The ASIFCU routing number is 265075087. This number is most often requested as part of direct deposit or auto draft set ups, and typically precedes your member number.
    Back to Top

    Q: 02. How can I re-order checks?
    A: Many different check styles are available. To browse and save time when ordering, visit https://reorder.libertysite.com/default.aspx to select your favorite style and view pricing options.

    Online:

    If you have a Liberty reorder form that contains your reorder ID and start number, and you do not have any changes to your personal information, please visit https://reorder.libertysite.com/default.aspx to order checks online. You will need to use ASI's Routing and Transit Number along with your account number. These numbers are from the bottom row of numbers on your checks.

    If you have changes to your personal information, please make all updates at your local ASI branch, or online through EASI before ordering new checks.

    By Phone:

    To reorder your checks by phone through Liberty Harland Clark call 877.585.8777.

    Back to Top

    Q: 03. What happens when I bounce a check?
    A: Being an ASI member allows you the option of covering your share drafts (checks) by an automatic transfer from your Savings Account, Line of Credit (LOC) or Money Master Account. In order for the overdraft protection to work, the funds will need to be available. The transfer of funds from the account or LOC are done automatically. The member is charged a minimal transfer fee. Please keep in mind that Savings accounts are regulated to only allow 6 electronic withdrawals a month.
     
    Some of our Checking Accounts offer Courtesy Pay, a benefit to our members that may protect your account in the event that you are accidentally overdrawn. However, anytime you have non-sufficient funds in your checking account ASI charges a fee.

    Back to Top

    Q: 04. What is the easiest way to transfer my checking account from another financial institution?
    A: Establish your ASI membership, then write a check from your account at the other financial institution. Once all your checks from your other account have cleared and you've received your new checks and Visa debit Card from ASI, close the account at the other financial institution.
    Back to Top

    Q: 05. How do I stop payment on a check?
    A: A: You may call or come into an ASI branch to complete the stop payment. This service is also available through DASI, our Online Banking system. A processing fee will be charged for stop payment requests.


    Back to Top

     
    3. DEBIT CARDS
     
    Q: 01. What if my ATM or Debit Card is lost or stolen?
    A: If you need to report a lost or stolen ASI ATM, Debit, or Credit Card you have multiple options to notify ASI.
    • During normal service hours, you may call our Telephone Service Representatives at 504.733.7274 or 800.749.6193.
      • Enter "4” to speak with one of our Telephone Service Representatives
    • You may call DASI, our automated phone system at 504.733.7274 or 800.749.6193 and follow the instructions below.
      • Enter "1” to Log into the automated phone system
      • Enter "2” to Sign-on to your membership
      • Enter "3” to Enter New Member & Other Activities site
      • Enter "6” to Report your ASI ATM or Debit card Lost or Stolen
    • If you have an issue after business hours, DASI will still be available. However, during these hours we have made available an additional phone line – 800.654.7728.

     


    Back to Top

    Q: 02. What if a purchase posts to my Checking Account that I did not authorize?
    A: If your ASI Debit Card has been lost, stolen, or you suspect unauthorized use, have peace of mind knowing you will not be responsible for unauthorized purchases. Report it to ASI immediately by following the instructions above. To protect your account from unauthorized use, memorize your PIN. Do not keep the PIN with your Debit Card.
    Back to Top

    Q: 03. What does it mean when I use my Debit Card and the clerk asks, "debit or credit?"
    A: 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 through a point of sale terminal. With PIN transactions, funds are withdrawn from your Checking 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 your PIN but you do sign a slip to accept the transaction. With signature transactions, funds are sometimes held in your Checking Account at the time of purchase until the transactions post to your account in one to three days. Some companies do not hold the funds and will clear the Checking Account within a few days.
    Back to Top

    Q: 04. Does my Debit Card have spending limits?
    A: The Debit Card has a spending limit of $1,000 per day when used as a debit. The spending limit is equal to the available balance in your Checking Account minus outstanding purchases that have not posted, with a daily total of $1,000. The Debit Card has no spending limit per day when used as a credit.
    Back to Top

    Q: 05. How much cash can I withdraw at an ATM?
    A: You can withdraw up to $500 per day or per 24 hour period, provided the funds are available in your account.
    Back to Top

    Q: 06. What is a Foreign ATM machine?
    A: That just means it is not an ATM owned and operated by ASI Federal Credit Union.
    Back to Top

    Q: 07. At which ATM’s can I use my card?
    A: You can use any ASI ATM free of charge.You may also get cash back at the check-outs of most local merchants and major retailers.       
    Back to Top

    Q: 08. Will I be charged for using an ATM belonging to another Financial Institution?
    A: ASI does not add any additional charges to your transactions at foreign ATM’s, however, the institution owning the machine may charge you a fee. This fee can range from $1 to $5, depending on the institution.        
    Back to Top

    Q: 09. How will I know if they are going to charge me?
    A: As you proceed through the process of a transaction, a screen tells you that a charge will be added to the requested amount and give you the option to stop there or continue and agree to the charge. There should also be a notice on the front of the machine informing you of the charges.        
    Back to Top

    Q: 10. I can’t remember my PIN (Personal Identification Number), do I have to get a whole new card?
    A: To reset your DEBIT PIN, call 866.985.2273.  To reset your CREDIT CARD PIN, call 888.886.0083. In order to update your pin number, your contact information must be correct in our system. To avoid delays, please take the time to update your information using our Online banking system, or by visiting any one of our branch locations. 
           

    Back to Top

    Q: 11. Should I notify ASI if I will be traveling out of town or out of the country?
    A: Yes, to better protect you, please add a note to your account while you are traveling. You may do so by calling 504.733.7274 or 800.749.6193, Monday – Friday, 9 a.m. – 5 p.m. After hours, you may select the Fraud hotline option by calling 504.733.7274 or 800.749.6193.       
    Back to Top

    Q: 12. Can I uses my ASI debit card to rent a car?
    A: Due to the hold process, debit cards cannot be used secure or pay for rental cars. 
    Back to Top

     
    4. ONLINE BANKING
     
    Q: 01. How do I enroll in Online Banking?
    A: From the ASI homepage, click "Enroll in Online Banking" in the green "EASI" box at the upper left side of the page. From there, follow the prompts to enroll in Online Banking. You will need your ASI member number (Member ID) and Social Security Number.      
    Back to Top

    Q: 02. I recently signed up for Online Banking. How do I change my user name or password?
    A: Log onto EASI and on the top right corner of the page you will click on the "Self Service” link.
    Back to Top

    Q: 03. Do I need any special programs to access Online Banking?
    A: All you need is internet access and the proper browser. Make sure that your browser is either Microsoft Internet Explorer 8 or 9, Mozilla Firefox – any version later than 3, Google Chrome, or Apple Safari.
    Back to Top

    Q: 04. Can anyone access my account?
    A: Only if you save the password on your computer or if you write the password down and leave it out. ALL passwords should be securely locked away so no one can gain access to your financial information.
    Back to Top

    Q: 05. Can I transfer funds from my account to my kid’s accounts through Online Banking?
    A: Sure, just stop into one of the branches and sign the cross member transfer form. If you would like to move funds between two memberships, we ask that all parties involved be joint on these accounts and sign this form.
    Back to Top

     
    5. BILL PAY
     
    Q: 01. Why should I try ASI’s Bill Pay?
    A: Well, for one thing... It's FREE for Checking Account holders. It will offer you the convenience and peace of mind that you are in charge of your bill payments. You can determine when you want the payment sent (when direct deposit is posted or even on pay day) and keep your checking balance healthy. ASI’s Online Banking service allows you to check your account balance and transfer funds to checking (if necessary) at your convenience.
    Back to Top

    Q: 02. How do I set up Bill Pay, and who can help if I have a Bill Pay question?
    A: Pay bills electronically by logging into your ASI online account and by clicking on the Bill Pay tab. From there, you can set up your one time or reoccurring payments to be made automatically, and it's free. Questions about Bill Pay can be answered by calling our TSR department number at 504-733-7274.

    Here are some of the features of Bill Pay:

    • Pay anyone, anytime, anywhere in the U.S.
    • Add, change, delete, and organize your bills
    • Review recent and pending payments
    • Online receiving and viewing of bills
    • A user-friendly Payment Center that helps you manage all of your bill payment activity from one convenient screen
    • Bill reminders that notify you when a payment needs to be scheduled or when a payment has been made

    A built-in calendar feature that will assist you with identifying the earliest available payment date.

    Back to Top

    Q: 03. Can I make payments from any of my ASI accounts?
    A: No, all payments must come out of your ASI Checking Account. Please make sure that you have the available funds in your Checking Account.
    Back to Top

    Q: 03. How do I set up a payee?
    A: Just click the box that reads "Add a company or person to pay."
    Back to Top

    Q: 04. How do I set up my payments?
    A: To schedule a new payment:
    • Payees name will appear and you will need to click on the box which has $0.00 listed in it.
    • Enter the amount you would like to pay.
    • Click on the calendar to select the send date, this will then prompt the deliver by date to appear.
    • Press the pay button.

    Back to Top

    Q: 05. Can I cancel a pending payment?
    A: Yes, only when it is listed under Scheduled Payments. You will need to select the red “X” next to the payee you would like to delete.
    Back to Top

    Q: 06. Can I change the date of a payment I have set up?
    A: Yes, only when it is listed under Scheduled Payments. You will need to select the pencil next to the payee you would like to edit. It allows you to edit the Amount of Payment and Send Date.
    Back to Top

    Q: 07. Can I stop a payment?
    A: Yes, you can stop a payment by logging into bill pay or by calling a representative at 504.733.7274.
    Back to Top

    Q: 08. How long does it take for a payment to reach a merchant?
    A: From the day our remittance processor receives the bill payment request, allow two (2) business days to process electronic merchants and five (5) business days for paper check merchants.
    Back to Top

    Q: 09. When is my payment withdrawn from my account?
    A: Funds are withdrawn from your Checking Account on the delivery date. Please make sure that you have the available funds in your Checking Account.
    Back to Top

     
    7. WIRE TRANSFERS
     
    Q: 01. How can I wire money to another financial institution?
    A: ASI does offer Western Union Transfers. We can also send and receive domestic and international wires for our members. The information needed to receive a wire into your ASI membership is:

    To: ASI Federal Credit Union
    Routing #/ABA: 265075087
    Member name, account number and type of account

    Please note that the account number you use is the one located at the bottom of your check. If you are using a savings account you will use your 10 digit account number.

    Back to Top

     
    8. PLASTIC CARDS
     
    Q: 01. Is there an annual fee charged on my credit card?
    A: ASI does not charge an annual fee with any our VISA Credit cards.

    Back to Top

    Q: 02. What is the transaction fee on credit card cash advances?
    A: There is a cash advance fee of 3% (minimum $5).
    Back to Top

    Q: 03. What is the maximum processing time for a payment to be applied to the VISA credit card?
    A: Two business days
    Back to Top

    Q: 04. Is there an over the limit fee charged on credit cards?
    A: We do not charge an over-the-limit fee on Visa credit cards.
    Back to Top

    Q: 05. What are my payment options?
    A: You can make your VISA payment several different ways. Make a payment at one of our branches, by
    phone with a TSR at 504.733.7274 or 800.749.6193, through EASI, DASI, through our Online Banking system, or by mailing it in or by using our convenient Auto Payment Program. Just choose the one that is right for you. Payments made by 6pm through the Online Banking system will post the same day.

    Back to Top

    Q: 06. Should I notify ASI if I will be traveling out of town or out of the country?
    A:
    Yes, to better protect you, please add a note to your account while you are traveling. You may do so by calling 504.733.7274 or 800.749.6193, Monday – Friday, 9 a.m. – 5 p.m. After hours, you may select the Fraud hotline option by calling 504.733.7274 or 800.749.6193.      

    Back to Top

    Q: 07. Why am I receiving a new card?
    A: In an effort to enhance security, all new ASI Visa® Credit cards now include chip technology. The embedded chip on your new card will improve fraud protection when you make purchases at chip-activated terminals.
    Back to Top

    Q: 08. Can I still use my old ASI Visa Credit card?
    A: Your new ASI Visa® Credit card replaces your existing card. Once your new card is activated, you will no longer be able to use your old card. To better protect your account from fraudulent activity, your old card will be deactivated within 60 days of the receipt of your new chip card. It still provides all the same features and benefits you currently receive, in addition to enhanced security and global acceptance.
    Back to Top

    Q: 09. How do I activate my new card?
    A: Once your new card is received, call the number on the card to activate, confirm your pin number, and remove the activation sticker. In order to activate your new card, your contact information must be correct in our system. To avoid delays in activation, please take the time to update your information using our Online Banking System, or by visiting any one of our branches. You must be enrolled in order to change your contact information through our Online Banking system. Once logged in, you may edit your profile in Settings.
    Back to Top

    Q: 10. Can I leave my activation label on my card?
    A: No, if the chip is covered in any way, it may not work.
    Back to Top

    Q: 11. Will I have to pay any fees to use my chip card?
    A: There are no additional fees to use your card.
    Back to Top

    Q: 12. How does my chip card protect my information?
    A: Every time you use your card at a chip-activated terminal, the embedded chip generates a one-time use code. This code is virtually impossible to counterfeit and helps reduce in-store fraud.
    Back to Top

    Q: 13. Am I still protected by Visa's Zero Liability Policy*?
    A: Yes, If your card is lost or stolen, you are covered by Visa’s Zero Liability Policy*. This means you are protected against unauthorized use.
    Back to Top

    Q: 14. Where can I use my chip card?
    A: You can use your card at millions of places that accept Visa® Credit and Debit cards, at home and around the world, in-store and online. To ensure the safety of online purchases, ASI offers Verified by Visa®, a secure check-out process for many online purchases.
    Back to Top

    Q: 15. Can account data from a Visa® chip card be stolen and fraudulently used?
    A: All Visa® cards offer protection from unauthorized use of your card or account information. Visa® chip technology offers another layer of security when used at a chip-activated terminal. While Visa® chip technology generates a one-time use code that’s virtually impossible to counterfeit, the account information may still be subject to compromise. Notify your financial institution immediately of any unauthorized use and know you are protected with Visa’s Zero Liability Policy*.

    Back to Top

    Q: 16. Do I need to use a PIN with my Visa® Credit chip card?
    A: No. In most cases, you’ll sign for Credit purchases – just like you do today. You may not be required to sign for certain types of transactions involving relatively small purchase amounts.
    Back to Top

    Q: 17. I’m not sure I’ve seen a chip-activated terminal. Is there anything different about how I pay?
    A: More of the places you like to shop are transitioning to chip-activated terminals every day. The checkout process is only slightly different than usual. First, swipe your card like you do today. If a chip-activated terminal is available, you will be prompted to insert the chip end of your chip card into the terminal with the chip facing up. Leave your card in the terminal and follow the prompts on screen. At a restaurant, a portable terminal may be brought to your table.
    Back to Top

    Q: 18. Why do I need to leave my card in the terminal?
    A: While your card is in the chip-activated terminal, the embedded chip creates a one-time use code. This code is virtually impossible to counterfeit and helps reduce in-store fraud. If you remove your card too soon, your transaction will be canceled. Many terminals will provide a signal when it is safe for you to remove your card.
    Back to Top

    Q: 19. Can I still swipe my card to pay?
    A: Yes. If a merchant is not yet chip-activated, simply swipe your card. Keep in mind, you may need to sign for your purchase depending on the amount.
    Back to Top

    Q: 20. I tried to use my card at a chip-activated terminal but it didn’t work. Why?
    A: Some merchants may have installed chip terminals, but haven’t activated them yet. In these cases, simply swipe your card to pay.
    Back to Top

    Q: 21. Has my credit card information changed?
    A: For your convenience, your card number and PIN have not changed. Your card will have a new expiration date and CVV code so be sure to update your information with billers that charge your card regularly.
    Back to Top

    Q: 22. What if my card is lost or stolen?
    A: Contact us at 504.733.7224 to report your card lost or stolen.

    If you need to report a lost or stolen ASI ATM, Debit, or Credit Card you have multiple options to notify ASI.

    • During normal service hours, you may call our Telephone Service Representatives at 504.733.7274 or 800.749.6193.
      • Enter "4” to speak with one of our Telephone Service Representatives
    • You may call DASI, our automated phone system at 504.733.7274 or 800.749.6193 and follow the instructions below.
      • Enter "1” to Log into the automated phone system
      • Enter "2” to Sign-on to your membership
      • Enter "3” to Enter New Member & Other Activities site
      • Enter "6” to Report your ASI ATM or Debit card Lost or Stolen
    • If you have an issue after business hours, DASI will still be available. However, during these hours we have made available an additional phone line – 800.654.7728.

    Back to Top

    Q: 23. What do I do if I notice suspicious activity on my account?
    A: Contact us immediately at 504.733.7274 to speak to a Telephone Service Representative.
    Back to Top

    Q: 24. I have not received a chip card yet. Do I need to apply for one?
    A: If you are a current ASI Visa® Credit cardholder, you will automatically receive a new chip card. We will begin sending credit cards at beginning in November, 2015 and continuing through January, 2016. If you have any questions, please contact us at 504.733.7274, or visit any of our branches to request a new card. If you are not an ASI Visa® Credit cardholder, you may apply online.
    Back to Top

    Q: 25. What if a notice activity in my Checking Account that I did not authorize?
    A: If your ASI Debit Card has been lost, stolen, or you suspect unauthorized use, have peace of mind knowing you will not be responsible for unauthorized purchases. Report it to ASI immediately by following the instructions above. To protect your account from unauthorized use, memorize your PIN. Do not keep the PIN with your Debit Card.
    Back to Top

    Q: 26. What does it mean when I use my Debit Card and the clerk asks, "debit or credit?"
    A: 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 through a point of sale terminal. With PIN transactions, funds are withdrawn from your Checking 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 your PIN but you do sign a slip to accept the transaction. With signature transactions, funds are sometimes held in your Checking Account at the time of purchase until the transactions post to your account in one to three days. Some companies do not hold the funds and will clear the Checking Account within a few days.
    Back to Top

    Q: 27. Does my Debit Card have spending limits?
    A: The Debit Card has a spending limit of $1,000 per day when used as a debit. The spending limit is equal to the available balance in your Checking Account minus outstanding purchases that have not posted, with a daily total of $1,000. The Debit Card has no spending limit per day when used as a credit.
    Back to Top

    Q: 28. How much cash can I withdraw at an ATM?
    A: You can withdraw up to $500 per day or per 24 hour period, provided the funds are available in your account.
    Back to Top

    Q: 29. What is a Foreign ATM machine?
    A: That jus means it is not an ATM owned and operated by ASI Federal Credit Union.
    Back to Top

    Q: 30. At which ATM's can I use my card?
    A: You can use any ASI ATM free of charge.You may also get cash back at the check-outs of most local merchants and major retailers.
    Back to Top

    Q: 31. How will I know if they are going to charge me?
    A: As you proceed through the process of a transaction, a screen tells you that a charge will be added to the requested amount and give you the option to stop there or continue and agree to the charge. There should also be a notice on the front of the machine informing you of the charges.
    Back to Top

    Q: 31. Will I be charged for using an ATM belonging to another Financial Institution?
    A: ASI does not add any additional charges to your transactions at foreign ATM’s, however, the institution owning the machine may charge you a fee. This fee can range from $1 to $5, depending on the institution.
    Back to Top

    Q: 32.. I can’t remember my PIN (Personal Identification Number), do I have to get a whole new card?
    A: Bring your card into any of our branches and we can change your PIN to a number of your choice. We need the actual card in order to encode the new PIN onto the magnetic strip on the back. Remember, PIN numbers cannot be issued in consecutive order, such as 1234 or 4321. Pick a unique number that only you would know, but will be able to remember.
    Back to Top

    Q: 33. Is there anything I cannot purchase with my debit card?
    A: ASI does not allow the use of a debit card at any car rental facility.
    Back to Top

    Q: 34. Do I need to use a PIN with my new Debit card?
    A: You'll enter your PIN for debit purchases - just like you do today. If you select CREDIT, you will have to sign for your purchase.
    Back to Top

    Q: 35. Can I still access my account at the ATM?
    A: Yes. You can use your chip card at the ATM just like always. Be sure to insert the chip end of your debit card into the ATM with the chip facing up. Your card will remain in the ATM until your transaction is complete.
    Back to Top

    Q: 36. I have not received a chip card yet. Do I need to apply for one?
    A: If you are a current ASI Visa Debit cardholder, you will automatically receive a new chip card. We will begin issuing these October, 2015.
    Back to Top

    Q: 37. Has my Debit Card information changed?
    A: To ensure the highest level of account security, your card number, expiration date, and CVV code have been changed. You will need to provide this new information to billers that charge your card regularly.
    Back to Top

    Q: 38. Will I have to change my PIN?
    A: You are not required to change your pin. However, when you call to activate your new card, you will be required to enter your PIN in order to connect it to the new card. You may either keep or change your current PIN.
    Back to Top

    Q: 39. What is Verified by Visa?
    A: Verified by Visa adds an additional layer of security to make it harder for someone else to use your Visa card to shop online in the unfortunate event your Visa card or account number is lost or stolen. The free service offers you added safety by helping ensure that only you can use your Visa card online. You simply create a unique password to confirm your identity. Sign up for Verified by Visa by visiting asifcu.org/membersecurity.
    Back to Top

     

       

     

    © Copyright 2017, ASI Federal Credit Union. All rights reserved.