Down East Credit Union


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Visa / Debit Cards


Register your DECU VISA Debit or Credit card to receive VISA PURCHASE ALERT E-Mails by visiting  Registering is easy and safe, and will provide you peace of mind knowing that you will be notified anytime your card is used.  VISA PURCHASE ALERT E-Mails allows you to customize the dollar amount of the transaction to be notified.  For example; you can be alerted for all transactions that are above $1 or $100.  Each time your card is used outside of the United States, or used for Online Shopping, or an Over-the-Phone transaction, you will be notified by VISA PURCHASE ALERT E-Mails.

With a DECU VISA Debit or Credit card you'll have access to CO-OP, the largest credit union-only ATM Network in the country.

How to Apply for a DECU Visa/Debit Card

To apply for a DECU Visa/Debit card, please mail, fax, or deliver the following completed documents to any of our branch offices:

  1. Credit Union Membership Account Application
    (only necessary if you are not already a DECU member)
  2. Application for Visa Check Card

Read our Policies and Disclosures »

Non-Visa PINLess Debit Card Transactions

We allow non-Visa debit transaction processing. For more information, download the following:
Notice Regarding non-Visa PINLess Debit Card Transactions

Visa Blocked Countries

When going on vacation we'd like to remind you to let us know before you travel either out of state or out of the USA, call us at 1-800-427-1223. Our fraud alert monitors your account for unusual activity and by notifying us before you go we will know that the activity on your account is legitimate.

If your trip will take you outside of the United States to any of these VISA Blocked Countries: Japan, Malaysia, Italy, Mexico, Lithuania, Romania, Australia, Greece, Nepal & Pakistan. We can arrange for you to use your VISA Debit or Credit Card but we must have prior notification.

Visa International Transaction Fee

Foreign Transactions

Purchases, cash advances or ATM transactions made in foreign countries and currencies will be billed to you in U.S. dollars.  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.

Visa charges 0.8% for international transactions that do not involve currency conversions.

Foreign transaction currency exchange rate
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, this 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 1-800-472-3272
(24-hour phone number)


Down East Credit Union ~ 1-800-427-1223 ~

NCUA and Equal Housing Lender

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 Topsham.

Copyright © 2007-2018 Down East Credit Union | Website by Barnstormer Design Group