2317 Easton Avenue Bethlehem, PA 18017-5099 Phone 610-691-0041 Fax 610-691-8624 E-mail service@btcu.org

Convenient
Access Anytime:

Click here to do your BTFCU banking on the Internet. (Requires registration before using first time.)

Click here to do Electronic Bill Payment. (Requires registration before using first time.)

The phone number for Audio Response (Bank-by-Phone) is 1-800-553-0857. Click here for audio response instructions.

Click here to do your VISA card banking on the Internet. (Requires registration before using first time.)

Click here to find ATMs that charge no fees to BTFCU members.

Click here for the CUNA Mutual Member Financial Services website.

Click here to see BTFCU's Savings Accounts and Savings Rates.

Click here to see BTFCU's Loans and Loan Rates.

Office Hours:

Monday, Tuesday,
Wednesday, Friday:
9:00 a.m. - 5:00 p.m.
Thursday:
9:00 a.m. - 6:00 p.m.

Our Special Sites:

Click here to go to the new BTFCU Kids Club site.

Click here to go to the new BTFCU Teens Club site.

Search btcu.org:

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Serving Members Since 1935

Visa® Credit Card

Save money while you support your Credit Union!

A VISA® Credit Card from BTFCU is your passport to the finer things in life. It's accepted around the corner or around the world at the finest shops, restaurants and hotels. You will find the familiar VISA® sign displayed almost everywhere you go. You can earn rewards with our ScoreCard® Bonus Points Program. And now BTFCU offers a VISA® Preferred Card with a lower rate for members who qualify.

Visa® Credit Card Information:

Click a topic to read more:

How do I apply for a BTFCU Visa Card?
Online Features of Your BTFCU Visa Card
How to Go Online
No Teaser Rates
BTFCU VISA Preferred Card
Automatic Payment Option
Disclosure of BTFCU Visa Card Terms and Rates
What Do I Do If My VISA Card is Lost or Stolen?
Verified By Visa: How Do I to Protect Myself When Buying Online?
Useful Visa Links
ScoreCard Bonus Points Rewards Program

How Do I Apply for a BTFCU Visa Card?

Click here for an application form or visit the credit union and ask for a Visa application.

Online Features of Your BTFCU VISA Card

Account Summary--Get a snapshot of your account balance, available credit, payment information, credit limit, and all recent transactions that have not yet been billed.
Full Statement--You can view 6-18 months of your credit card account history.
Bill Payment--Make credit card payments directly from your share draft (checking) or share (savings) account.
Transaction Tracking--View transaction information, assign expense categories and add memos, which can be searched at a later time.
Reports--Create customized reports.
Alerts--You can be notified automatically via e-mail when events occur.
Find Transactions--Search statement information for specific transactions.
Download--Download information to use with your own money management software (e.g. Quicken).
Customer Service--Answers to many of your VISA questions; Research and dispute transactions, if necessary.

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How to go online with your BTFCU Visa Credit Card:

Using your Internet browser (Internet Explorer, Netscape, etc.), go to www.eZCardInfo.com. If this is the first time you are using the new VISA site, click on the "Enroll for Online Services". You will be asked to choose a user name and password, and register your e-mail information.

Once logged in, in addition to gaining access to your VISA account information, you may opt to disable online access.

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Beware of 'teaser' rates

Some institutions offer what are often referred to as 'teaser' rates. They look inexpensive at first, but watch how high the interest rate goes after that introductory period is over. Like all of BTFCU's offerings, our VISA card has maximum convenience with minimum 'gotcha'.

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BTFCU VISA Preferred Card

In addition to the "standard" VISA Credit Card, BTFCU now also offers a "preferred" VISA Credit Card. This new card provides a low rate of 9.90% APR to those who qualify. Qualifications are based on your FICO/Emperica credit score. Other restrictions may apply.

Members with existing BTFCU VISA cards may request to convert their "Standard" card to a "Preferred" card. Such members should note:

Should a cardholder who has been converted from "standard" to "preferred" be late in their payment for two consecutive months, their card will automatically revert to a "standard" card and carry the higher interest rate.
Any purchases made prior to the conversion will continue to be charged at the "standard" rate. Only new purchase will receive the new "preferred" rate.

Stop by or call our office at 610-691-0041 for details.

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Automatic Payment Option

You may elect to have your monthly payment, full payment, or an assigned amount made by an automatic withdrawal from your BTFCU Share or Share Draft Checking Account. Call member services at 610-691-0041 for information.

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BTFCU Visa Card Terms Disclosure

"Standard" BTFCU Visa Card
Annual percentage rate (APR) for purchases	14.88%
Other APRs	Balance transfer APR: 14.88% Cash advance APR: 14.88%
"Preferred" BTFCU Visa Card (Available to those who qualify, based on FICO / Emperica credit score. Other restrictions may apply.)
Annual percentage rate (APR) for new purchases	9.90%
The "preferred" rate of 9.90% applies only to new purchases (after the card is converted to "preferred" status). Purchases which occur prior to the conversion will continue to carry the "standard" rate of 14.88%.
"Preferred" cardholders who are late in paying their BTFCU Visa bill for two consecutive months will revert to the "standard" rate of 14.88%.
Other APRs	Balance transfer APR: 9.90% Cash advance APR: 9.90%
Both "Standard" and "Preferred" BTFCU Visa Cards
Grace period for repayment of balances for purchases	25 days to repay your balance for purchases before a finance charge will be imposed. No grace period for cash advances.
Method of computing the balance for purchases	Average daily balance method
Annual fees	None
Minimum finance charge	None
Transaction fee for purchases	None
Transaction fee for cash advances	$2.00
Balance Transfer Fee	None
Late payment fee	$15.00
Over-the-credit-limit fee	$10.00 per incident

If you already have a BTFCU VISA Card, you can see the latest information about your VISA account by clicking this link: www.eZCardInfo.com.

To apply for a BTFCU VISA credit card, please call us or e-mail us requesting an application. You can also stop by the Credit Union office.

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What do I do if my card is lost or stolen?

You can report a lost or stolen card 24 hours a day, 7 days a week by telephone.

VISA Credit Card: 1-800-299-9842
VISA Debit Card: 1-800-472-3272

HINT: To protect yourself in the event of losing important cards you carry in your purse or wallet, it is a good idea to photocopy all of the cards (front and back). Store the photocopy in a safe place for reference in case any or those items are lost or stolen.

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How do I protect myself when buying online?

On-Line Merchants May Require You to Activate "Verified By Visa"

If you purchase goods on-line using your BTFCU Visa Card, you may be required to enroll in the Verified by Visa program before you can complete your purchase. The enrollment process, which is done on a secure Visa site, verifies your identity based on information you have provided to the Credit Union. It then requires you to create a password. The password is stored securely on Visa's computer systems (not the merchants'). Each time you make a purchase at a participating merchant's website, you will be asked for the password. No charges can be made without the correct password.

BTFCU encourages you to sign up for Verified by Visa as soon as possible to help avoid on-line credit card fraud and to make your on-line purchasing experience easier.

Here is a diagram showing how Verified By Visa Works:

Verified by Visa helps prevent unauthorized purchases before they even happen. Protect your existing BTFCU Visa card by creating a personal password as unique as you are. Verified By Visa helps ensure that only you can use your Visa card to buy online at participating online stores. Register today! It takes just a few minutes to activate. Click here to register or for more information.

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Some Useful VISA Links

Zero Liability, Visa's policy which protects you from unauthorized use of your card.
How Verified By Visa Works.
Merchants Participating in Verified By Visa.
Online Security Tips
Protecting Your Card

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