Credit & Debit Cards

Credit Cards

Visa Classic
Our Visa Classic Credit Card offers low variable rates plus these additional features:

No annual fee
28 day grace period on purchases
No minimum finance charge
Earns ScoreCard Reward Points for every net purchase you make
Payments can be made at any credit union office or automatically deducted from your savings or checking account each month
Protection from unauthorized charges and lost and stolen card charges at no additional cost

Visa Secured
Everyone qualifies for our Visa Secured Credit Card, regardless of their credit history.

Non-variable rate as low as 10.00% APR
Card is secured by your savings
No annual fee
No grace period on purchases
No minimum finance charge
Earns ScoreCard Reward Points for every net purchase you make
Payments can be made at any credit union office or automatically deducted from your savings or checking account each month
Protection from unauthorized charges and lost and stolen card charges at no additional cost

ScoreCard Rewards

Your Sentinel Federal Credit Union Visa Credit Card earns Bonus Points for every net purchase you make! You earn one point for every net dollar you spend. Just think, every time you buy groceries, gas or dinner, you will be earning points. The more you use your Visa Credit Card, the more points you earn. Once you have accumulated enough Bonus Points, you can redeem them for brand-name merchandise and exciting travel rewards. Use your Visa Credit Card for all your purchases and you will be surprised how quickly your Bonus Points add up!

Visit ScoreCard Rewards to check your balance, redeem points or to view current merchandise and travel offerings.

Verified by Visa

Shop online with confidence. Use Verified by Visa. Your Visa card is now equipped with Verified by Visa—it password protects your card for free. To learn more, visit www.visa.com/verified.

Shop online with Verified by Visa today!

Travel Notice

Prior to traveling outside of your normal area of card use, be it domestic or foreign, please call Sentinel Federal Credit Union at least 48 hours in advance at 605-923-1405 or toll-free at 888-923-1400 to let us know the dates and locations you will be visiting. We will place a memo on your account, which will prevent your Debit and Visa Cards from possibly being blocked due to unusual activity in those locations.

Debit Cards

Sometimes it’s difficult to keep up with the pace of life. But no matter what comes your way, you can enjoy it more simply by requesting a free Sentinel Federal Credit Union Visa Debit Card. With it, you have the purchasing power of Visa, plus ATM access to your Credit Union accounts. It’s safer than cash, faster than writing checks, and it’s accepted all over the place. So you can use your Debit Card to pay for movie tickets, gas, doctor visits, dry cleaning—virtually anything you need to keep your life moving.

Keep track of every purchase.
Purchases come directly from your checking account and are itemized on your monthly statement as well as online. You’ll see the merchant name, location, date and amount for every purchase.

Shop safe and secure.
When you press “credit” at the keypad and sign for your purchases, your card is protected by multiple layers of security, including: Visa’s Zero Liability Policy, so you won’t have to pay for unauthorized transactions; replacement funds, so any funds taken from your account due to fraudulent use will be returned; and continuous fraud monitoring for suspicious activity.

Visa’s Zero Liability Policy covers U.S.-issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa, or certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use. Consult issuer for additional details or visit visa.com/security.

Debit Card & ATM Card Fees & Surcharge Information

No transaction fee is charged when used in Sentinel Federal ATMs
A small transaction fee is charged when used in ATMs not owned by Sentinel Federal. The owner of the ATM however, may apply an additional surcharge fee. A surcharge notice is normally displayed on the ATM screen before your transaction is processed.

Other Helpful Information about using your Debit Card

To avoid a transaction charge anytime you have an option of entering debit or credit, choose credit. Entering a pin number results in a transaction fee.
If you have a loan payment at Sentinel Federal that is late, the transaction maybe denied.
Regulations allow only three electronic transfers per month, if your checking account is set up to transfer money from savings to checking if you overdraw, only three transfers are allowable per month.

Daily Limits

Should your card be lost or stolen, daily limits have been set up for your protection.
With your debit card, you may purchase up to a maximum of $1,500 per day, provided there are sufficient funds in your account.
With your ATM card, you may make 10 cash withdrawals in any one day from an ATM, with a $400 maximum daily limit.

To Report Lost or Stolen Cards

During Normal Business Hours: 605-923-1405

After Business Hours:

800-472-3272 (ATM Cards)
800-682-6075 (Debit Cards)
800-543-5073 (Credit Cards)