Imagine getting through life without ever having to dig for change — or worse, write a check. Use your free Visa® debit card for purchases around the globe and online. It is safer than carrying cash and more readily accepted than checks. The very same card is used to make ATM withdrawals. One tiny piece of plastic; a whole lot of versatility.
- Fast, free, and easy
- Safer than carrying cash
- More convenient and safer than checks
- Eliminate cost of purchasing checks
- Make purchases anywhere Visa is accepted
- 24/7 access to funds via surcharge-free ATMs
- EMV chip-enabled for increased security
- Add extra everyday card security when you enroll in the Verified by Visa program
Reminder: When traveling in a different country, please notify us in advance so that we may notate your account.
Learn more about activating and customizing your card in the "Get Started" section below!
Activate your card online by clicking the link below or call one of the numbers listed.
Activate Your Visa Debit Card (Please have your card in front of you when calling.)
- (800) 411-6390 – US and Canada
- (206) 352-3477 – Outside the US and Canada
Choose Your Own PIN
Forget memorizing randomly generated personal identification numbers (PINs). Your Alive Credit Union debit card allows you to create a PIN of your choice, enabling you to remember it more easily and alleviate the possibility of losing a random PIN.
Select your customized PIN today by calling 1-877-PHONPIN (746-6746).
Customize Your Card
Create your own customized debit card by either uploading an image from your computer, Facebook, Instagram, Picasa, Flickr, Dropbox, or OneDrive, or use an image from our online library. You can also add a security image of yourself to your personalized card for additional identity protection.
It's easy to personalize your Visa Debit Card. Visit the customization site online or download our Spark My Card App for iPhone or Android.
EMV Chip Information
EMV chips provide added protection when shopping in stores — and they're still easy to use!
Using Your Card
If a chip-activated terminal is available, follow these easy steps:
- Insert the chip end of your card into the terminal with the chip facing up.
- Keep your card in the terminal throughout the transaction and follow the prompts on screen.
- Remove your card when prompted, and take your receipt.
Watch Visa Chip Cards — A Simple, Secure and Smart Way to Pay.
You are also protected against unauthorized use with Visa's Zero Liability Policy.*
*Visa's Zero Liability Policy covers U.S. — issued cards and does not apply to certain commercial card transactions or any transactions not processed by Visa. You must notify your financial institution immediately of any unauthorized use. For specific restrictions, limitations and other details, please consult your issuer.
What is a chip card?
Alive Credit Union Visa Debit Cards now feature built-in chip technology. You'll enjoy global acceptance plus an enhanced level of security.
Why are EMV cards more secure than traditional cards?
It is a small, metallic square that you will see on new cards. The square is a computer chip and it's what sets apart the new generation of cards. Unlike magnetic-stripe cards, every time an EMV card is used for payment, the card chip creates a unique transaction code that cannot be used again.
How does chip technology protect my information?
When you use your card at a chip-activated terminal, the embedded chip generates a one-time use code. This code is virtually impossible to counterfeit and helps reduce in-store fraud.
How can I get a new PIN?
Yes, you will receive a new PIN number separately from the card. If you wish to change your PIN number, you can call 1-877-746-6746.
Where can I use a chip card?
You can use your card at millions of places that accept Visa Debit Cards, at home and around the world.
How do I use my EMV chip to make a purchase?
In addition to swiping the magnetic stripe of the card, cardmembers will also have the option to insert the EMV chip portion of their card at merchant terminals that accept chip cards. Either way, cardmembers will simply use their signature to complete the transaction as they do today, and do not need to input a PIN.
Can I still swipe my card to pay?
Yes. If a merchant is not yet chip-activated, you can continue to swipe your card and enter your PIN. Or select CREDIT and sign for your purchase, if necessary.
Does my chip card work at the ATM?
Yes. You can still use your card to get cash, check your balance and more. Be sure to insert the chip end of your card into the ATM with the chip facing up. Your card will remain in the ATM until your transaction is complete.
Will I have to pay any fees to use a chip card?
No. There are no additional fees to use a chip card.
What does EMV stand for?
EMV stands for Europay, MasterCard and Visa and is a global standard for cards equipped with computer chips and the technology used to authenticate chip-card transactions.
What is the EMV Smart Chip technology?
An EMV chip is a more secure method of processing a payment with your credit card versus swiping the magnetic stripe on the back of the card.
Reloadable Prepaid Cards
Imagine the Possible Uses!
- As an alternative checking account without checks
- To keep your finances safe and secure while traveling especially overseas
- To pay your children (13 & up) their allowance or college living expenses
- To budget certain expenses and/or spending goals
- To track your everyday spending with easy to use online access
Enjoy the Convenience!
- Make deposits through payroll, direct deposit, online or in person
- And 24 hour reloading via mobile, home banking, and online
- Receive cash back at POS purchases
- Withdraw cash at ATMs
- Use your card worldwide where VISA® is accepted
- Have up to six cards tied to your card account
- Surcharge free* ATM withdrawals at Alive ATM locations
- No maintenance fee with a $25 minimum monthly deposit
- Low fees compared to most other reloadable cards
- No worry about exceeding your balance or paying overdraft fees
Easy to load through:
- Direct Deposit
- Cash Deposit
- Check Deposit
- Mobile Deposit
- Transfer from Shares
- ACH origination on Home Banking
*Card processor fees still apply for ATM withdrawals exceeding one per month.
How can I find out what my remaining balance is?
You can obtain your account balance, order cards, report a card lost or stolen by establishing an account at www.atirareload.com.
What is the difference between the Reloadable Prepaid Card and a debit card, a credit card or a gift card?
The Reloadable Prepaid Card is different from a debit card because your Reloadable Prepaid Card is not directly linked to your checking account at Alive. It is different from a credit card because the money that is on your Reloadable Prepaid Card is funded by you. Your Reloadable Prepaid Card is different than a gift card because the gift card is a one-time use card (it cannot be reloaded).
How do I add additional people to my Prepaid Card account?
After your card has been established, you can login to www.atirareload.com to order additional cards. The Secondary cardholder will receive their own personalized card under your account number.
Can I use my card at an ATM?
Yes, however, card and ATM owner fees may apply.
Does the balance on my Reloadable Prepaid Card earn interest?
No, interest will not be applied to your Reloadable Prepaid Card balance.
Is there a limit to the number of Reloadable Prepaid Card accounts I can have?
Each person is only allowed to have one card in their name but the primary cardholder can order up to six additional cards that will be attached to the same account.
Is my Reloadable Prepaid Card a credit card?
No, your card is a reloadable VISA/MasterCard prepaid debit card, which means there is no credit line associated with it and no required credit approval. The card is funded by you. Please note that when making a credit transaction for a purchase and signing the receipt, it will not charge your Reloadable Card to a credit card, nor does it impact your credit history or rating.
Can I use my Reloadable Prepaid Card to pay bills?
Yes, you can use your card to pay bills or shop online.
What fees are associated with my card?
Find a list of card fees here.