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.

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Serving Members Since 1935

Visa Check (Debit) Card / ATM (Star) Card

The BTFCU Visa Check Card is your key to convenient, 24-hour banking, and freedom from writing checks for purchases. The card is both a Visa Card debit card and an Automated Teller Machine (ATM) Star (formerly MAC) Card card.

You may not receive ATM or debit card receipts for transactions under $15..

Due to a change in federal law, you may no longer receive a printed receipt when you make an ATM withdrawal for less than $15 or use your VISA® Debit Card for purchases under $15.00. The new law allows the merchant or ATM operator to decide whether or not they will provide a printed receipt for transactions under $15. For transactions of $15 or more, federal law still requires that the ATM or merchant provide a printed receipt.

Our automated fraud detection system may telephone you.

VISA® Debit Card Fraud just got harder thanks to Bethlehem Teachers Federal Credit Union. BTFCU uses eNFACT, a sophisticated software program that helps you protect your VISA® Debit Card number and any associated accounts from fraud. eNFACT will flag any suspicious transactions or patterns on your card accounts so credit union staff can investigate. You don’t need to do anything unless you are contacted by us. This protection comes at no cost to our debit card holders. Our automated system may telephone you. Click here to read more…

Visa Check Card/ATM Card Basics

What is a Visa Check/ATM Card?

An Visa Check/ATM Card is a widely-accepted alternative to writing a check. You can use it to pay for purchases at any merchant displaying the VISA logo that appears on the front of the card. The purchase price will be deducted from your Bethlehem Teachers FCU Share Draft (checking) Account.

When would I use my Visa Check/ATM Card?

There are many situations where writing a check is inconvenient, like when you're in the express line at the grocery store. Visa Check/ATM Card transactions are approximately five minutes faster than writing a check, since there's no need for check approval or identification.

Where would I use my Visa Check/ATM Card?

Your Visa Check/ATM Card can be used wherever a standard VISA card is accepted--like grocery stores, gas stations, restaurants or retail stores. Use it when placing orders by phone. There are thousands of locations worldwide where your Visa Check/ATM Card is accepted.

What choices do I have at merchant terminals?

You may need to choose between a "CREDIT" or "DEBIT" button. These buttons determine how the merchant processes the transaction. Choosing the "CREDIT" option allows you to just sign and go If you choose "DEBIT", you will need to input your PIN number. Either way, the transaction amount will be deducted from your Share Draft Account.

Can my Visa Check/ATM Card be used at ATM machines?

Your Visa Check/ATM Card may be used to obtain cash at any ATM (Automatic Teller Machine) terminal displaying the MAC, Star or PLUS network logo.

For a list of 'free' ATMs, click here.
To search for Star network ATM's nationwide, click here.

Are there any fees associated with my Visa Check/ATM Card?

There are no charges when you use the card as a DEBIT or CHECK card, paying for purchases. When using the card as a Star or MAC or ATM card, BTFCU allows each member eight transactions per month per card without charge. However, many banks and other ATM locations charge for use of their ATMs. There are some ATMs which do not charge for use. For a list of these 'free' ATMs, click here.

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.