FRAUD ACTIVITY INFORMATION: Please be aware, there have been reported instances of impersonators, claiming to be from UNIFY, making fraudulent calls to members requesting confidential/account identification information. Reminder: A real UNIFY representative will NEVER initiate contact with a member requesting such information including full debit/credit card number, PIN, card security code, eBanking username/security access code or full Social Security Number. If you are contacted by someone requesting this account-related information, please do not respond and let us know immediately at 877.254.9328, 24/7.

Choosing Debit Vs. Credit

When making a purchase using your debit card, you're often given the option to choose "credit" or "debit." Either will enable you to make a purchase (transactions are automatically deducted from your Checking Account), but there are some key behind-the-scenes differences that will help you make your decision.

Credit Option

  1. You must sign for your purchase
  2. You cannot receive cash back
  3. Gives you all the security protections of a Visa transaction for disputes and fraud
  4. Visa pays UNIFY a small portion of each transaction amount when you choose "credit"

Debit Option

  1. You can receive cash back, up to $1,000 per day
  2. You must enter in your Personal Identification Number (PIN)
  3. UNIFY pays a fee each time you choose the "debit" option
  4. You may pay a merchant fee to use the "debit" option

If you have any questions regarding your UNIFY Visa Debit Card, contact us. We're happy to help.

Can’t remember your Username?

No problem. Just phone our Contact Center at 877.254.9328, available 24/7, and a UNIFY Representative will assist you.