FAQs Debit Card Controls
Important information about Bill Pay Discovery
FAQs for Bill Pay Discovery
Q: What are Debit Card Controls?
A: Debit Card Controls are built‑in tools that let you manage how, when, and where your RRCU Visa® Debit Card is used—helping reduce fraud and giving you more control over your card.
Q: Where can I find Debit Card Controls?
A: Debit Card Controls are available through RRCU Online Banking and the RRCU Mobile Banking App—no additional apps required. It's conveniently located under the Services menu tab.
Q: Can I turn my debit card off if it’s misplaced?
A: Yes. You can temporarily turn your debit card off if it’s misplaced and turn it back on once it’s found. This helps prevent unauthorized transactions.
Q: Can I request a new card if mine was lost or stolen?
A: Yes. Select Report Lost or Stolen to safely cancel the card. The selection is permanent and the card is immediately canceled. A digital card will become available automatically and a new card will be mailed to you. Please be sure your mailing address is up to date in our system first. Please allow 7-10 days to process and mail out.
Q: If I have multiple cards, do I need to set controls for each one?
A: Yes. Each card must have its own controls set separately to ensure the correct restrictions are applied.
Q: Can I control how my card is used?
A: Yes. Debit Card Controls allow you to manage where and how your card can be used, such as in‑store purchases, online transactions, and ATM withdrawals. You can also decline recurring transactions by turning this on in debit card controls.
Note - disabling at the main card level will not stop recurring transactions.
Q: Can I set spending limits on my debit card?
A: Yes. You can set spending limits to help manage purchases and add an extra layer of protection. Some transaction limits may still apply at the account level.
Q: Will I get alerts when my card is used?
A: Yes. You can receive real‑time alerts for debit card activity by text and/or email, helping you quickly spot transactions you don’t recognize. Message and data rates may apply.
Q: Do I need to set travel notifications?
A: Travel notifications are available and recommended when traveling to help reduce the chance of declined transactions while you’re away.
Q: Can I change my debit card PIN?
A: Yes. You can securely change your debit card PIN using the available card services provided with your RRCU Visa Debit Card.
Q: Is there a cost to use Debit Card Controls?
A: No. Visa Debit Card Controls are provided at no additional cost to RRCU members.
Q: What should I do if I see suspicious activity?
A: If you notice suspicious activity, use Debit Card Controls to Report lost or stolen and select the Fraud option to turn your card off immediately. Then contact RRCU for assistance.