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St. Thomas FCU Debit Card: Simple, Safe and Accepted Worldwide

A St. Thomas FCU Debit Card gives you the ease of a card with the control of cash. It looks like a credit card, but every purchase comes straight from your share draft (checking) account. Use it in stores, online and at ATMs around the world wherever Mastercard® is accepted. It’s easier than writing checks and safer than carrying cash.

4 Reasons Why Members Choose a Debit Card Over Cash

  • You spend money you already have. That means no interest and no monthly bill.
  • It’s safer than cash. If cash is lost, it’s gone. A lost card can be shut off and monitored.
  • You can track every dollar. See your transactions in Online and Mobile Banking, turn on alerts and keep your budget on track. We can show you how!
  • It makes money easier. Pay at the register, shop online or withdraw cash at ATMs when you need it.

Plus, with a Mastercard from St. Thomas FCU, you’re automatically eligible for some incredible security benefits and fraud protections.

Lost or Stolen Card?

Please contact us right away so we can help protect your account.

Frequently Asked Questions for Instant Issue Debit Cards

An Instant Issue Debit Card is a fully functional debit card that is printed and activated at the branch during your visit. You can use it immediately for purchases, ATM withdrawals, and online transactions.

All members opening a new checking account or replacing a lost, stolen, or damaged debit card are eligible to receive an Instant Issue card.

Fees may apply depending on the reason for issuance (e.g., replacement vs. new account). Please refer to our current fee schedule or ask a Member Services Representative.

The card is printed and activated within minutes during your branch visit. No need to wait for mail delivery.

No, design customization is not available for Instant Issue cards at this time.

Yes. Instant Issue cards are issued securely and include EMV chip technology for enhanced protection.

You can set a new PIN during issuance or keep your existing PIN if replacing a card. Our team will assist you with PIN setup.

Yes. Once activated, your card is ready for use at ATMs, in stores, and online.

Visit our branch to request a replacement. A new card can be issued instantly, and your old card will be deactivated for security.

Yes. If you prefer, we can mail your debit card, but delivery may take 10 -14 business days.

Ready to unlock the power of a debit card?

Join the credit union built by and for St. Thomas and level up your purchasing power.

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Allen A. Canton Building
5027 Norre Gade
St. Thomas, VI 00802-6749

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By Phone

Call 1-340-774-1299

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