Make purchases quickly and easily with your JetStream Federal Visa Debit Card.
Your CONTACTLESS Visa Debit Card has an embedded chip that uses secure technology to make it harder to copy your account information, better protecting you from fraud.
Using your Visa Debit Card is a great way to pay for your purchases without having to write a check. Just present your Visa Debit Card and the amount of your purchase will automatically be deducted from your JetStream checking account. How much you spend depends upon the balance in your account. Learn more about how temporary holds affect your account balance.
Enroll in Visa Purchase Alerts: Real-Time Notifications
Visa Purchase Alerts is a service that allows Visa debit cardholders to receive real-time notifications via text or email when their card is used for a purchase. These alerts can help cardholders track spending, monitor for fraud, and quickly detect unauthorized transactions.
To sign up for Visa Purchase Alerts, cardholders can visit the Visa website and register their card. Once registered, they can choose the type of alerts they want to receive and the frequency of those alerts. With Visa Purchase Alerts, cardholders can stay on top of their finances and have peace of mind knowing that they will be alerted to any suspicious activity on their card.
You can easily change how and when you want to be told about changes to your account.
You can choose to tap and leave while using your contactless debit card. This additional degree of security has been provided for the benefit of all of our members.
With our free overdraft protection, it's simple to ensure that you never pay overdraft penalties.
Choose from a nationwide network of tens of thousands of surcharge-free ATMs. Members don't pay anything to use our ATM.
You don't even need to take out your Visa card while making purchases at the checkout counter thanks to our cards' compatibility with Apple Pay®, Google Pay™, Samsung Pay™, Garmin Pay, and FitBit Pay mobile wallet.
On debit card purchases, merchants may request a temporary hold on your account for a specified sum of money, which may be more than the actual amount of your purchase. When this happens, our processing system cannot determine that the amount of the hold exceeds the actual amount of your purchase. This temporary hold, and the amount charged to your account, will eventually be adjusted to the actual amount of your purchase, but it may be up to three days before the adjustment is made. Until the adjustment is made, the amount of funds in your account available for other transactions will be reduced by the amount of the temporary hold. If another transaction is presented for payment in an amount greater than the funds left after the deduction of the temporary hold amount, that transaction will be a nonsufficient funds (NSF) transaction if we do not pay it or an overdraft transaction if we do pay it. You will be charged an NSF or overdraft fee according to our NSF or overdraft fee policy. You will be charged the fee even if you would have had sufficient funds in your account if the amount of the hold had been equal to the amount of your purchase.
Here is an example of how this can occur – assume for this example the following: (1) you have opted-in to our overdraft services for the payment of overdrafts on ATM and everyday debit card transactions, (2) we pay the overdraft, and (3) our overdraft fee is $30 per overdraft.
You have $120 in your account. You swipe your card at the card reader on a gasoline pump. Since it is unclear what the final bill will be, the gas station’s processing system immediately requests a hold on your account in a specified amount, for example, $80. Our processing system authorizes a temporary hold on your account in the amount of $80, and the gas station’s processing system authorizes you to begin pumping gas. You fill your tank and the amount of gasoline you purchased is only $50. Our processing system shows that you have $40 in your account available for other transactions ($120 - $80 = $40) even though you would have $70 in your account available for other transactions if the amount of the temporary hold was equal to the amount of your purchase ($120 - $50 = $70). Later, another transaction you have authorized is presented for payment from your account in the amount of $60 (this could be a check you have written, another debit card transaction, an ACH debit or any other kind of payment request). This other transaction is presented before the amount of the temporary hold is adjusted to the amount of your purchase (remember, it may take up to three days for the adjustment to be made). Because the amount of this other transaction is greater than the amount our processing system shows is available in your account, our payment of this transaction will result in an overdraft transaction. Because the transaction overdraws your account by $20, your account will be assessed the overdraft fee of $30 according to our overdraft fee policy. You will be charged this $30 fee according to our policy even though you would have had enough money in your account to cover the $60 transaction if your account had only been debited the amount of your purchase rather than the amount of the temporary hold or if the temporary hold had already been adjusted to the actual amount of your purchase.
The Visa Account Updater (VAU) service automatically provides participating merchants where you have established recurring payments, with your updated card number and expiration date when your card(s) expire, are lost or stolen and new cards are issued. This free benefit provides peace of mind knowing you won’t have to contact each merchant with recurring payments, to update your card information.
To opt-out of the Visa Account Updater, please send us a Secure Message in online or mobile banking, or send us your request in writing to:
JetStream Federal Credit Union
Attn: Card Services
P.O. Box 5487
Miami Lakes FL 33014.