Debit Card

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Our VISA® Debit Card makes access to your FECU Checking Account easy and convenient. You can use this card to make purchases anywhere that VISA® is accepted at millions of locations around the world. As an added bonus, we offer Star Rewards Points. Every time you use your VISA® Debit Card to make a signature-based purchase, you earn Star Rewards Bonus Points that can be redeemed for travel, merchandise, gift cards, and more. Go to Star Rewards Points to view your Star Rewards Bonus Points available or to redeem them for merchandise.

You can also use it to withdraw money, check your account balance and more from an ATM near you. Free ATM transactions are available at:
Any Kwik Trip locations
 Co-Op Network ATMs nationwide
Download the Co-Op app:
Download the Allpoint app:
Hometown Federal Credit Union Drivethru ATMs in Owatonna and Faribault,MN
(Some exceptions may apply. Contact FECU for current information.)
When Do You Use Your Signature and When Do You Use Your PIN?
Signature-based purchases are when you use your signature to authorize the purchase rather than entering your PIN. Signature-based purchases reduce your risk of identity theft, and they earn you bonus points! You will want to complete signature-based transactions whenever possible. To do this, choose "Credit" instead of "Debit" when prompted. You may have to press enter or cancel to bypass "Debit".
VISA Purchase Alerts
Now you can keep tabs on your account anytime, anywhere. Near real-time Purchase Alerts powered by Visa® help you reduce fraud and monitor your spending. With Purchase Alerts powered by Visa®, you can receive a text message or email shortly after your Visa debit card has been used. So if there is fraudulent activity, you'll be notified and can act quickly to stop the situation. And the service is available free for Federated Employees Credit Union Visa® debit cardholders.
To sign up, CLICK HERE and start enjoying more protection and peace of mind.

FRIS Fraud Manager on your FECU Visa Debit Card
To protect your account, the FRIS Department monitors your debit card and ATM transactions for potentially fraudulent activity which may include a sudden change in your location (such as your FECU VISA® Debit Card being used unexpectedly in a different state or overseas), a sudden string of costly purchases, or any pattern associated with new fraud trends around the world.

The FRIS Fraud Manager is a 24/7 monitoring system designed to analyze your VISA® Debit Card patterns to determine fraudulent activity.  If there is suspected fraud activity, FRIS Fraud Manager will call the number that is loaded in our system at FECU.  

If your Federated Employees Credit Union VISA® Debit Card is lost or stolen please call:
  • 7:30 AM to 4:30 PM CST M-F 507-455-5430
  • After hours/weekends 800-523-4175
Our goal, quite simply, is to minimize your exposure to risk and the impact of any fraud. To ensure we can continue to reach you whenever potential fraud is detected, please keep us informed of your correct phone number and address at all times. We will NEVER ask you personal or account information. We will only ask you to verify transactions.

We want you to use your FECU VISA® Debit Card with convenience wherever you go, whether traveling on business or enjoying a vacation. To help ensure uninterrupted service during your time away from home, please provide us with your travel plans before you leave.  This enhances our ability of getting in contact with you in the event that any suspicious activity is detected on your account during your trip. By giving us your contact information, such as telephone numbers and travel start and end dates, you will obtain better service while you’re away.  Convenience and peace of mind when you are traveling – at no cost to you! This service is a complimentary part of FECU membership.

Protect yourself
In the meantime, please be diligent in monitoring transaction activity on your account and contact us immediately if you identify any fraudulent transactions. Here are some additional tips on protecting yourself from VISA® Debit Card fraud. Unless absolutely required for a legitimate business purpose, avoid giving out your:
• Address and ZIP code
• Phone number
• Date of birth
• Social Security number
• Card or account number
• Card expiration date
Your PIN is private; never give it out. 
4 Steps to Getting Cash Back When You Shop Online
More than 80% of Americans like to shop online – including Federated Employees Credit Union members like you. But are you getting cash back when you shop? With Shop America and its 1,500+ online retailers you can. So, why not get cash back when you shop online with popular stores like Target, Best Buy, Gap, Sears, Home Depot and more? You can even get up to 20% cash back at some of its online stores. Don’t forget to shop using your Federated Employees Credit Union Debit Card!
Getting cash back when you shop is just four easy steps away:
1. Sign up for Shop America for free at
2. Shop at your favorite online retailers like you normally do, but by using the Shop America website.
3. Shop America automatically credits your account for your cash back.
4. Once you earn $15 or more, Shop America sends you a check for the cash back you earned.
Don’t forget by using your Federated Employees Credit Union Debit Card you will be earning Star Rewards Point in addition to the Shop America cash back!!
To learn more about Shop America or to register for free, visit
Shop America Program