The payment processing system has been speeding up in the United States over the last year and as a result, transactions are posting to members' accounts more quickly.  In many cases, debit (withdrawal) transactions that you authorize are being presented to us for payment sooner than you may realize.  This process will be speeding up again starting this month with many transactions being presented to us the SAME DAY that you authorize them.  Please be aware of this and DO NOT AUTHORIZE payments from your account if you do not have the funds available to cover them.  This includes checks you may write and payments that you authorize either over the phone or online.  If the funds are not available, transactions will be returned for NSF and this incurs a fee (currently $25 for each occurrence).  

Medisys EFCU Visa Debit Card holders can now enroll their card in Visa Purchase Alerts in order to closely monitor their transaction activity.  When you sign up to receive Purchase Alerts, you will set up parameters and then receive an email and/or a text message when a qualifying transaction takes place. Purchase Alerts help you keep better track of your money and identify fraudulent transactions more quickly.  Triggers can include: dollar amount, international transactions, or card-absent transactions.  Sign up at Visa.com/PurchaseAlerts and start receiving alerts today!

Due to high levels of fraud that have been reported internationally and in an effort to protect our members' accounts, we have blocked transactions originating from certain countries. The list of blocked countries is growing quickly, so please assume that the country you will be traveling to is blocked.  If you will be traveling internationally and would like to use your card, please let us know so we may assist you.