Visa® Credit Card

Choosing the best credit card for your own personal financial situation should not be difficult. You can count on Arbor Financial Credit Union's Advantage or Rewards Visa credit card to get value from a trusted source, not to mention unique services exclusively from Arbor Financial.

Compare Card Options Apply Online Balance Transfer Form

Debit / ATM Card

Your Arbor Financial Visa Debit card is your ATM and debit card rolled into one. With an Arbor Financial checking account, you can use your debit card for purchases everywhere that Visa is accepted. You can also use it for convenient access to cash at over 37,000 CO-OP or Jeanie network ATMs for FREE.


  • Conveniently pay for purchases in stores and online with funds withdrawn directly from your checking account
  • Get your debit/ATM card on-the-spot* at any of our branch locations with the option to choose your own PIN
  • In-store purchases can be processed as “credit” with signature, or as “debit” with PIN; many retailers provide a cash back option when using your PIN
  • When used as “credit” for purchases, enjoy peace-of-mind with Visa’s Zero Liability fraud protection
  • Debit/ATM Cards are FREE with all Arbor Financial checking accounts
*Visa Debit Cards requested from our Lawrence branch are available for same-day pickup from our Paw Paw branch. Otherwise, they will be available at the Lawrence branch the following business day.

Traveling with Your Debit or Credit Card?

We work hard to protect your accounts and your money. Before heading out on vacation, let us know you’ll be traveling to ensure uninterrupted use of your debit or credit cards. Out of state or international purchases may be flagged as potential fraud and blocked until your authorization can be confirmed. Give us a call at 269.375.6702 or email us your member number with travel dates. Safe travels.

Visa Purchase Alert Program

We're offering this new feature to members, allowing you to enroll your Arbor Financial Visa Credit and Debit cards in the Visa Purchase Alert program. This will allow you to receive near real-time email notifications on select Visa routed purchases made with your Arbor Financial Visa debit card or credit card! You'll be able to monitor your account activity and quickly notify us if anything looks suspicious.

How to Enroll

To enroll you cards in Purchase Alerts, simply:

1. Enroll on the Visa website here

2. Click on “Check Eligibility”

  • Enter the first 9 digits of your card
  • Create your account
  • Set the notification alerts
  • You can add up to 10 cards per account

Gift Card

Simplify your gift shopping with Arbor Financial Credit Union Visa Gift Cards! Give the gift that anyone would love to receive. The Visa Gift card is a prepaid card welcome almost anywhere Visa Debit cards are accepted.

Purchase your Visa Gift card at any of our seven branch locations in amounts from $10 to $1,000. Your card can be used for multiple purchases for as long as value remains on the card. It puts the power of choice in the hands of your friends and family.

Need to change your PIN?

If you know your current PIN and would like to change it, there are three ways to do so:

  1. Call 800.851.4859 and follow the prompts
  2. You can change your PIN at any Arbor Financial Credit Union  ATM
  3. Speak with an Arbor Financial Representative by calling 269.375.6702
If you forgot your current PIN, you will need to speak with an Arbor Financial Credit Union Representative by calling 269.375.6702 during regular business hours. This allows us to ensure that your card has not been stolen and is not being used fraudulently.

Lost or Stolen Card

Contact Arbor Financial Credit Union immediately if your Credit Card or Debit/ATM card has been lost or stolen or if you notice any unauthorized transactions on your account. During business hours, we'll instantly issue you a new card on the spot!

Call us at: 269.375.6702 or 800.442.7340

  • Monday - Thursday - 9:00 am to 5:00 pm (excluding holidays)
  • Friday - 9:00 am to 6:00 pm (excluding holidays)
  • Saturday - 9:00 am to 1:00 pm (excluding holidays)
After Hours:
  • For Debit/ATM cards, please call 800.528.2273
  • For credit cards, please call 800.325.3678

Protecting your identity and personal information is extremely important. If you feel like you have been a victim of fraud, notice any suspicious account activity, or receive suspicious emails or phone calls, please contact us immediately at 269.375.6702 or 800.442.7340.