Due to the number of fraudulent debit and credit card transactions, the Credit Union has taken the following preventative measures.
Security Alert
Debit Cards Blocked Countries:
- China (including Hong Kong)
- Democratic People's Syrian Arab Republic
- Iran (Islamic Republic of)
- North Korea (Democratic People's Republic of Korea)
- Romania
- Taiwan
- Russia
- Ukraine
- Saudi Arabia
- South Africa
- Syria
Credit Cards Blocked Countries:
- China
- Democratic People's Syrian Arab Republic
- Iran (Islamic Republic of)
- North Korea (Democratic People's Republic of Korea)
- Romania
- Ukraine
- Saudi Arabia
- South Africa
Ask the member to inform us of their out-of-state travel plans so we can ensure that all transactions follow their itinerary.
The Credit Union will continue to monitor activity on all members’ accounts and we encourage the member to do the same. For added security, tell the member to always use PIN-based transactions for both credit and debit card transactions.
Important Notes:
Transaction activity will also be prohibited based on financial sanctions that are imposed by The Office of Foreign Assets Control (OFAC) of the US Department of the Treasury. As of July 2012, the OFAC financial sanctions prohibit the approval of transactions with Iran, and Sudan. Details can be found at treasury.gov .
As a result of becoming an independent country on July 9 2011, South Sudan is not subject to OFAC sanctions-which continue to apply to Sudan-although certain activates by U.S persons in or with South Sudan that involve Sudan remain restricted.
FAQs
While there may be a few credit unions that issue debit cards limited to domestic use, most debit cards are backed by Visa or Mastercard, trusted financial brands that are accepted worldwide.
What countries do not use debit cards? ›
Countries Where Debit Card Use is Prohibited
- Albania.
- Bosnia & Herzegovina.
- Bulgaria.
- Kosovo.
- Macedonia, The former Yugoslav Republic of.
- Moldova.
- Romania.
- Serbia & Montenegro.
Do credit and debit cards work in other countries? ›
While there may be a few credit unions that issue debit cards limited to domestic use, most debit cards are backed by Visa or Mastercard, trusted financial brands that are accepted worldwide.
Why doesn t my debit card work in other countries? ›
Switch on “international transactions” on your card
Such cards are not automatically “Active” for use in foreign countries. To activate it for international transactions, you either need to call your bank or switch them “on” from the bank's mobile app or website login.
What countries don't accept Visa credit cards? ›
Which countries do not allow credit card payments?
- Bulgaria.
- Belarus.
- Cote d'Ivoire.
- Indonesia.
- Lithuania.
- Macedonia.
- Pakistan.
- Romania.
Which country banned credit card? ›
China (including Hong Kong) Democratic People's Syrian Arab Republic. Iran (Islamic Republic of) North Korea (Democratic People's Republic of Korea)
Which country is 100% cashless? ›
Norways is the most cashless country, with only around 2% of payments being made by cash, and 100% of the population having a bank account.
What happens if you use a debit card internationally? ›
While you can typically use a debit cards in another country, you may have to pay a foreign transaction fee. Though these fees vary by bank and card issuer, they are usually around 3% of any transaction abroad. In addition, you may be given the option by a merchant to pay in local or U.S. currency.
How do I make my debit card work internationally? ›
Visit the website of your bank.
- Enter your credentials to log in.
- Once on your dashboard, select 'Manage Card Usage. '
- Use the toggle to switch from Domestic to International Transactions.
Is it better to use a debit or credit card internationally? ›
If you want to keep a tab on the spending, a debit card can be a good option. Credit cards, on the other hand, are handy if you face a shortage of funds while travelling abroad.
The card company may decline the transaction as a precaution. This generally happens when a series of domestic transactions are followed by an international transaction. It is one of the many risk rules that are in place to ensure a safe banking experience.
Why does my card keep getting declined abroad? ›
If your card is declined it will be blocked from future use in order to protect the issuer and cardholder from fraudulent charges. To clear this fraud block you must contact the card issuer and confirm that the attempted charges were valid.
Why can't I use my debit card anywhere? ›
You have insufficient funds
You can check your debit card balance over the phone, at the ATM, online, or in person at your bank. Some financial institutions may deny you from overdrawing from your account, preventing you from making a debit card purchase.
Can I use a Visa debit card internationally? ›
Can I use my American Visa credit or debit card abroad? You can use your U.S. Visa card abroad to make purchases or withdraw cash. To withdraw cash from an ATM, you'll need to know your four digit PIN number.
Can I use my US credit card in another country? ›
Bottom Line. Using a credit card abroad is largely the same as using one domestically. If you have an American Express or Discover card, you may find it less widely accepted than a Visa or Mastercard. But this is changing all the time, with both the former issuers working to expand their reach.
Which card can work internationally? ›
Use a widely accepted issuer
Visa and Mastercard are the most widely accepted credit card issuers worldwide. While American Express and Discover can come in handy, you'll want to bring a backup Visa or Mastercard just in case.
What countries only use cash? ›
Top Five Countries Most Reliant on Cash
- Romania: With 78% of all payments using cash, Romania still heavily relies on cash daily transactions every business day.
- Egypt: With nearly 70% of the country not using a bank account, Egypt's citizens regularly use cash.
Can you use a debit card anywhere in the world? ›
It's possible to use a debit card to pay for things when traveling internationally. However, it's always important to be prepared. By planning ahead and taking care with each transaction, people can avoid potential extra expenses such as foreign transaction fees or ATM withdrawals.
Does Europe use debit cards? ›
Debit cards with a Mastercard or Visa logo are widely accepted in Europe. American Express is somewhat less common, except at tourist destinations.
Why do some places not accept debit cards? ›
Another reason a business may consider accepting only credit cards is so that they can surcharge all card transactions in order to recoup processing costs. Since debit can't be surcharged, a business accepting debit but surcharging credit would still have to pay processing costs for the debit transactions.