Visa Credit Cards
Visa, accepted worldwide. The Visa credit card program at Down East Credit Union offers our members great rates and local service.
Access your account anytime, anywhere, 24 hours a day and 7 days a week through our online card services.
How to Apply for a DECU Visa Card
To apply for a DECU Visa card, please mail, fax, or deliver the following completed documents to any of our branch offices:
- Credit Card Agreement
- Loan Application
- Credit Union Membership Account Application
(only necessary if you are not already a DECU member)
Read our Policies and Disclosures »
Visa International Transaction Fee
for VISA® Check Card and
ATM Card Holders
Change to process for posting foreign transactions on share draft (checking) statements.
Currently when a purchase, cash advance or ATM transaction is made in a foreign country, the transaction amount is converted to U.S. dollars and adjusted by a 1% currency conversion fee. When the transaction is posted to your account, the total amount (purchase amount plus conversion fee) appears as a single transaction on your share draft account statement.
Effective August 1, 2005, the currency conversion fee will be discontinued. Instead, a 1% International Transaction Fee will be assessed on all transactions where the merchant country differs from the country of the card issuer. The converted transaction amount will be shown separately from the International Transaction Fee on your share draft account statement. This fee will be assessed on all international purchases, credit vouchers, and cash disbursements.
Change to foreign transaction currency exchange rate
Effective April 2, 2005, the exchange rate for transactions in a foreign currency will be a rate selected by VISA from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate VISA itself receives, or the government mandated rate in effect for the applicable central processing date plus the 1% International Transaction Fee.
To report a lost or stolen Visa Credit Card or Visa Debit Card
Call 1-800-682-6075
(24-hour phone number)
Down East Credit Union is a Maine Credit Union
Serving Washington, Waldo, Hancock, Penobscot, Lincoln, Kennebec, Sagadahoc,
and Knox Counties,
and the towns of Brunswick and Harpswell in Cumberland County.
Branch offices are located in Baileyville, Machias, Belfast, Unity, Bangor, Calais, Richmond, and Bowdoinham.
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