Debit Cards
Simple Solutions for Everyday Spending
Personal Visa® Debit Cards
Have the convenience and power of Visa attached to your Patriot account.
- Get cash anywhere: Accepted at any ATM worldwide in the Pulse, Visa, PLUS, and Discover Global Network (Discover/Diner’s Club) networks. Find surcharge-free locations here.
- Contactless convenience: Make purchases by simply tapping your card at enabled machines. Just look for the “contactless” symbol at checkout, then tap your card or hold it just above the card reader.
- Earn rewards: Members with personal debit cards can earn money back on signature purchases with e-Plus and Rewards checking accounts. Learn more about our checking account options. Members who use any of our debit cards are also eligible to earn rewards through Patriot Perks. Learn more about maximizing your rewards.
- 24/7 access: Review your account information and purchases online 24/7 with Online & Mobile Banking.
- Instant issue: Have a replacement debit card instantly issued in the event of a lost, misplaced, or compromised card at any of our branches.
Patriot Perks
- Earn Points – Simply use your Visa Debit Card for your everyday spending.
- Get Free Gift Cards – Redeem points toward free gift cards to popular retailers. It only takes 100 points to get a free gift card!
- Shop Online – Shop participating merchants through the Patriot Perks site and earn more points.
Your Protection Comes First
Safety and security are top priority for us at Patriot.
Card Controls
Disable and enable your card, set up travel notifications, order a replacement card, and mark your card as lost or stolen, all from your Patriot Mobile App, wherever you are.
Chip-Enabled Technology
Patriot debit cards are embedded with microchips to give you an extra layer of security beyond regular debit cards.
Fraud Monitoring
Patriot proactively monitors your account to bring suspicious purchase activity to your attention.
Visa EMV® 3-D Secure
Personal Patriot debit cards are equipped with advanced risk technology by VISA to further evaluate transactions.
Pay for purchases online and in person from your smartphone
Use your Patriot debit and credit cards via Apple Pay®, Google Pay™, Samsung Pay™, or Garmin Pay™ to pay for purchases at thousands of locations without carrying your physical card.
Find the Contactless Payment Symbol
Look for the contactless payment symbol or the symbol for your specific wallet.
Open the App
Open your digital wallet app and hold it up to the payment terminal.
Enter a PIN
If asked on the payment terminal, enter a PIN. This is the same PIN you use with your physical card. You may be asked to sign, depending on merchant and amount.
Digital Wallets FAQs
Yes. There is no limit to the number of Patriot debit/credit cards that can be added to a digital wallet. However, there may be a limit to the number of cards your digital wallet allows. This is set by the wallet provider.
They are also a great place to keep other important documents organized and easily accessible.
Here’s a look at all of the things you can store in a digital wallet:
- Credit or debit cards
- Boarding passes
- Hotel reservations
- Concert & sporting event tickets
- Gift cards
- Coupons
- Loyalty rewards cards
No. If your Patriot debit/credit card(s) is canceled, it cannot be used to make purchases within your digital wallet. Once you receive your replacement card, add your new card to your digital wallet, following the same steps as if you were setting it up for the first time.
Allpoint ATM Network Change
At Patriot Federal Credit Union, we’re committed to providing convenient, cost-effective banking solutions for our members. Starting April 1, 2025, we will no longer participate in the Allpoint ATM Network. This means that ATMs at locations such as Target, Speedway, Costco, CVS, Rite Aid, Walgreens, Sunoco, Giant Food, Exxon Uni Mart, and Kroger will no longer be surcharge-free for Patriot cardholders.
Popular locations previously included in the Allpoint Network, such as Target, Speedway, Costco, CVS, Rite Aid, Walgreens, Sunoco, Giant Food, Exxon Uni Mart, and Kroger, will no longer be surcharge-free after April 1, 2025.
Always check for signage above the ATM or review the fee disclosure before completing your transaction. If there is a surcharge, the ATM will notify you before finalizing the transaction.
Yes, your debit card will still work, but starting April 1, 2025, you may incur a surcharge when using Allpoint ATMs.
Use our ATM locator or the Patriot mobile app to find the nearest surcharge-free ATM.
If you have any questions, we’re here to help! Contact us at 888-777-9982 or visit your nearest Patriot branch for assistance.
Disclosures
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*Members must be in good standing to earn rewards. If a member’s account is not in good standing during a calendar month, rewards will not accrue for that period. An account is considered in good standing if it is active and not limited, restricted, or closed for any reason. Please note that Business, Organizational, Estate, and Trust accounts are not eligible for the Patriot Perks program.
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This credit union is federally insured by the National Credit Union Administration.
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Equal Housing Lender