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Easy Access, Peace of Mind

A Convenient and Secure Way to Access Your Funds

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Two Innovations Visa Debit cards against a pattern background.

VISA® Debit Cards

Unlock a new level of convenience and security with your Innovations VISA® Debit Card**. Whether shopping online, stocking up on essentials, or traveling the world, our card is designed to offer seamless transactions and ultimate peace of mind.

Why Choose Innovations VISA® Debit Card**?

  • Unlimited Fee-Free ATM Access
    Access your cash anytime, anywhere at all Innovations' ATMs without worrying about fees. Plus, as part of the CULIANCE network, you have access to free transactions at thousands of ATMs nationwide.
  • Verified by VISA®
    Enjoy enhanced protection for your online transactions with Verified by VISA®, ensuring your purchases are secure.

State-of-the-Art Features

  • Tap to Pay
    Breeze through purchases with a simple tap of your card, combining speed and security for your convenience.
  • Mobile Wallet Integration
    Add your debit card to your mobile wallet for even more flexibility and convenience, enabling contactless payments directly from your smartphone.

Instant Card Printing

  • Immediate Access
    If you have misplaced your debit card or need a new one, no problem! Visit any branch, and we'll print and activate one for you on the spot—no need to wait weeks for it to arrive in the mail.

Activating Your Card

  • Instant Activation in Branch
    Cards issued in our branches are activated immediately, giving you instant access to your funds.
  • Easy Activation for Mailed Cards
    Follow the instructions provided with your card to activate it quickly, typically just a phone call away.
  • Secure Your PIN
    Remember to change your PIN for added security. Call (800) 290-7893 or visit a branch to update your PIN. Never share your PIN with anyone else—it's your key to secure transactions and cash withdrawals.

VISA® International Service Assessment
Using your Innovations VISA® Debit Card abroad? A 1% fee on the total transaction amount will apply, known as the VISA® International Service Assessment. This fee is itemized on your statement or account history.

Have questions? Contact us at (850) 249-0482 for assistance.

Simplify your transactions today! Visit our branches or call us at (850) 233-4400 to get started.

Join Us Locate a Branch Mobile Wallet

**Innovations Financial Credit Union meets all USA Patriot Act Identity Verifications. Debit Card eligibility will be evaluated by obtaining a consumer report from a consumer reporting agency.

VISA® Card Services

Travel Notice

If you intend to use your Innovations VISA® Debit Card when traveling out of state, please contact us at (850) 233-4400 first, so our fraud monitoring service will not place a block on purchases. This can also be done via Mobile Banking.

Lost or Stolen Cards

If you think your VISA® Debit Card is lost or stolen, give us a call immediately at (888) 297-3416. The Cardholder Assistance Line for your VISA® Debit Card is (800) 547-1209. You can also use the Card Controls feature in Mobile Banking to turn your cards on or off if they are stolen, lost, or otherwise compromised.

Card Activation

To activate your VISA® Debit Card domestically, please dial (800) 290-7893. For card activation outside the U.S., dial (206) 624-7998 (collect).