Debit Card Information

Debit Card Services

There is no annual fee for our debit card. When you open a checking account with Tri-Lakes FCU and you apply for debit card, your initial card will be free. Any replacement cards whether lost or stolen will be a $15.00 replacement fee. Our debit cards can be used anywhere in the UNITED STATES where VISA is accepted.


At Tri-Lakes Federal Credit Union, protecting your accounts is our top priority. Our fraud detection system looks for out of the normal transactions, strange spending patterns or unusual locations that your card may be used. Our fraud detection center may contact you to verify this information. It is important that you respond to their call. And also to make sure that we have the most up to date contact information on file for you.

If you are going out of town within the United States give us a heads up. We can make note on your account. If you are going to be traveling out of the country we need to know where you will be going and your dates of travel. If we don’t know that you are traveling, your debit card purchases can be denied. The link below will allow you to Print or Download our Travel Notification Form.


With the large amount of debit card fraud occurring lately, we have compiled the following information to help you prevent debit card fraud and assist if your account is compromised.

Tips to reduce your risk for debit card fraud:

  1. Keep your PIN secret. Never write it down, and never tell anyone what it is.
  2. Try to never let your card out of your sight.
  3. Be aware of your surroundings.
  4. Do not use your debit card for online purchases. Because your debit card is linked to your personal checking account you are opening up your full account balance to potentially be stolen. Debit cards do not have the same protection as Credit cards. Always use a Credit Card for these types of purchases.

Because of fraud, and the potential for your card to be blocked, always be sure to have multiple payment types available to you, whether it’s another debit card, a credit card or cash.

To Report a Lost or Stolen card during business hours please call (518) 891-1666.
After business hours or on the weekends please call (800) 472-5272.