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Due to system improvements and regular maintenance, online and mobile banking may be unavailable Sunday, April 22 from 12:30 a.m. to 4:30 a.m.


VISA® Debit Card

Making your money available when you need it for purchases.

Visa Debit Card

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 and CO-OP ATM network 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.


Debit Card Rewards

Get cash back and discounts.

Purchase Rewards

Our Debit Card rewards programs pay you to shop! When you shop at participating national and local retailers, Quick Rewards will earn you as much as 10% cash back on your purchases. And, with Purchase Rewards you can browse and choose retailer discounts that are right for you. Your cash-back rebates and personalized discounts are posted automatically to your account.


Contact Information

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 dispute a Debit Card purchase
Call: (844) 228-8853

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.

Debit Card Security

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.