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VISA® Debit Card

Making your money available when you need it for purchases.

You can use your VISA® Debit Card instead of cash or checks to make purchases online, or at most retail stores and vendors. You get instant access to your money through our branch ATMs, SUM and CO-OP ATM networks and even on your phone with our SMS Text Banking service and Mobile Banking App. You can open your account and get your debit card the same day with our instant issue service.

Purchase Rewards

Discounts tailored to you.

The Purchase Rewards Program features online and in-store discounts tailored to you. Add Purchase Rewards to your Debit Card in Connect-24 or through our Mobile Banking App by clicking on "Offers." Then, use your Debit Card at the time of purchase to activate discount offers. Purchase Rewards discounts are not applied at checkout, they are deposited to your account the month after your purchase.

Contact Information

Should you need to call or write with regard to your VISA Debit Card, here are the important contacts you’ll need. If you are concerned about a lost credit card, just give us a call.

If you have a lost or stolen card
Call: (844) 228-8853

To activate your card
Call: (866) 642-0450

To change or set your PIN
Call: (844) 309-7606

To order additional checks
Call Harland Clarke: (800) 355-8123
or visit

All other correspondence:
CAP COM Federal Credit Union
4 Winners Circle, Albany, NY 12205
(518) 458-8986

Debit Card Security

Protecting your account 24/7.

CAP COM employs the most advanced fraud detection and prevention technology to guard against unauthorized access and use. Your VISA Debit Card is monitored 24/7 by an experienced team of security professionals for any suspicious or potentially fraudulent activity.

VISA’s e-Guard program is one more line of defense when you are shopping online. You’re automatically enrolled in the program as a CAP COM member, which means you’ll have an extra layer of security on certain transactions that criminals typically use to initiate fraud. E-Guard helps to ensure it is you authorizing the purchase by sending you a free, one-time passcode to enter at checkout, or by prompting you to answer questions. This is a new product, so watch for more information in the near future!

You should still keep a watchful eye on your accounts and transactions to quickly identify anything that looks out of the ordinary. You can conveniently review your debit card activity online by logging into Connect-24 or by using our mobile app.

Unauthorized transactions on your account will not be your responsibility. If you see suspicious activity, please contact the credit union immediately.