Visa Debit Cards

Spend freely with the SMW Financial Credit Union Visa® Debit Card. Giving you secure, convenient access to your funds—anytime, anywhere Visa is accepted. Whether you’re grabbing coffee, shopping online, or paying bills, your debit card makes everyday spending simple, protected, and rewarding.

Key Features & Benefits

• No Fees — Use your debit card without worrying about monthly or annual fees.

• 40,000+ ATMs Nationwide — Enjoy surcharge-free cash access through the MoneyPass® network.

• Instant Card Controls — Lost your card? Lock or unlock it instantly through Online Banking or our Mobile App.

• Fraud Alerts & Protection — Receive text or email alerts when transactions occur so you can spot suspicious activity fast.

• Contactless Payments — Link  your card to Apple Pay®, Google Pay®, or Samsung Pay® for secure, tap-to-pay convenience. 

• Qualifies You for Checking Rewards — Use your debit card with our Cash Back or Rewards Checking account to earn each month when you meet qualifications.

Security You Can Trust

Your security is our top priority. Every SMW debit card comes with advanced fraud monitoring and the ability to freeze your card instantly if it’s lost or stolen.
If you notice unauthorized transactions, contact us right away so we can take care of it for you.

Need to activate your card or change your PIN?
Call 866-985-2273 anytime to update it quickly and securely.

Traveling soon?
Let us know before you go! You can notify us of your travel plans or fill out the travel form right inside Online Banking or the Mobile App. This helps prevent potential card declines while you're away.

Tips for Safe Debit Card Use

• Never share your PIN or one-time passcodes.

• Review your transaction history regularly in Online Banking.

• Set custom alerts for purchases over a certain amount to catch unusual activity.

• Only shop with trusted retailers and secure (https://) websites.

How to Get an SMW Visa Debit Card

1. Become a Member:
   Join SMW Financial Credit Union if you live, work, worship, go to school, or volunteer in Anoka, Hennepin, Ramsey, or Washington Counties of Minnesota.

2. Open a Checking Account:
   Choose your ideal account—like Cash Back Checking or Rewards Checking—and you’ll automatically receive your debit card.

3. Activate Your Card:
   Follow the instructions that arrive with your card or contact us for help.

4. Set Up Alerts & Controls:
   Manage your card easily with Online Banking or our Mobile App.