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Debit Cards

State Employees' Credit Union offers two types of debit cards: CashPoints® and Visa® Check. These cards offer a convenient way to access funds, make purchases, and obtain account information. Both types of debit cards may be used at ATMs or for purchases.


  • Individual ownership - each member has their own card in their own name
  • Provides account access via ASK SECU and online Member Access
  • Accepted at CashPoints and PLUS® Network ATM locations
  • No fee for purchases or for transactions performed at a CashPoints ATM
  • Photo may be added for additional security
SECU Debit Cards

CashPoints Cards

Visa Check Cards

Checking account not required unless used for purchases Checking account required
Perform ATM transactions Perform ATM transactions
Make purchases at national Interlink or Maestro merchants
Make purchases at worldwide Visa® merchants or online1
Debits funds directly from the primary checking account Debits funds directly from the primary checking account
Requires PIN entry for all purchases Requires PIN entry for debit purchases or requires signature for credit purchases
$2500 daily purchase limit2 $2500 daily purchase limit2
$500 maximum daily cash withdrawal limit $500 maximum daily cash withdrawal limit
Magnetic stripe technology Chip/Magnetic stripe technology

When you purchase gas "at the pump" using your debit card and select "credit" as your payment option, $ will be authorized and held against your account balance until the gas station settles the actual charge for the amount pumped. To avoid the $ authorization, you may select the "debit" payment option at the pump and enter your PIN or pay for your fuel inside the gas station with the cashier. Once your gas transaction is complete, the exact amount of your purchase will be held in authorization.

Immediately report lost or stolen Credit Union debit/credit cards by calling (888) 732-8562 or (919) 857-2150.

Visa® Account Updater (VAU)

Merchants that participate in the Visa Account Updater (VAU)3 program can now receive updated cardholder information for recurring Visa check card transactions. Information such as your expiration date, card number (if the original card was lost/stolen or transferred), and closed card notifications are updated daily and communicated directly to participating merchants with whom you have recurring payments.

This service only applies to recurring Visa check card payments. As a result, you will no longer have to contact the merchant to update your card information which will help prevent disruption of your recurring payments. You may opt out of this feature at any time by contacting your local branch or the Contact Center.

Unauthorized Transaction Liabilities

For unauthorized ATM transactions, your liability is as follows:
  • If you believe your card and PIN have been lost or stolen and notify us within two business days, your liability will not exceed $50.00 if someone uses your card and PIN without your permission.
  • If you do NOT tell us within two business days after you learn of the loss or theft of your card and PIN, and we can prove we could have stopped someone from using the card without your permission had you notified us, you may lose as much as $500.00.
For unauthorized purchase transactions, your liability is as follows:
  • The cardholder has no liability for any unauthorized (fraudulent) signature based purchase transaction. This limit applies to all consumer card purchases, including those on the internet.
If your statement shows transactions that you did not make, notify us at once. If you do not tell us within 60 days after the statement was mailed, you may not receive the lost money if we can prove that we could have stopped someone from taking the money had you told us in time.

To apply for a debit card, complete the Debit Card/Voice and Internet Application  and take it to your local branch or mail it to:

State Employees' Credit Union
PO Box 28540
Raleigh, NC 27611

1 You may enroll in the Verified by Visa® program, which allows you to use password protection at participating online merchants.
2 The daily purchase limit is $2500, including a maximum cash withdrawal limit of $500 per day. However, if $500 cash is withdrawn, only $2000 is available for purchases that day.
3 Members must continue to contact merchants that do not participate in VAU with updates to their card information.

Related Pages
For immediate assistance, contact your local branch.

After hours, you may contact our Member Services at (888) 732-8562.
*Quoted rates, dividends, annual percentage yields (APY) and rates (APR) are subject to change daily at the discretion of the Board of Directors.