For Connect-24 or Mobile Banking assistance during Credit Union business hours, please call (800) 468-5500 and select option 2, then option 3.
For after-hours assistance with Connect-24 or Mobile Banking, please call (800) 468-5500 and select option 5. We’ll be happy to assist you.
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.
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.
Use the links below to open and read more information.
This rewards program lets you earn rewards by using your debit card to purchase merchandise and services. The program is available to all debit card holders. Through this program, you'll receive targeted offers to receive rewards on purchases based on how you shop. So, the more you use your card, the more offers you can receive and the more rewards you can earn!
You can find offers on the home page beneath transactions in the transaction history or in the "rewards" section in the upper right part of the page. Offers can also be found on the account history page or the rewards summary page. New offers will be labeled as "New Offers" until you click to activate them. Once clicked, the reward is "loaded onto" the associated debit card. All offers can be viewed by visiting the rewards summary page.
Each offer is based on how you currently shop, so the offers that you receive are relevant! To redeem the offer, simply click on it to see the details; this automatically loads the offer onto your debit card. Then shop at the specified retailer and pay using your debit card to earn the reward. Each offer has different details regarding when and where to shop and how much you need to spend. Offers that require an online purchase are clearly specified and may include a redemption code. Please read the details to determine how to redeem each offer.
Typically, you do not need a coupon or code to redeem an offer. Each offer has different specifications regarding when and where you shop and how much you need to spend. Offers that require an online purchase are clearly specified and may include a redemption code. Please read offer details to determine how to redeem each offer.
Each offer has an offer period that was set by the merchant. You must redeem offers before the expiration date. The expiration date can be found in the offer details section of the offer by clicking on the offer.
Your rewards will typically be deposited to your account the month after you redeem the offer. For example, any rewards you redeem in the month of September typically will be credited to your account at the end of October.
Offers are based on how you currently shop to ensure the offers you receive are relevant. If you seldom use your debit card, you may not receive any offers until you begin using your card more. The more you use your debit card, the more chances you will have to receive relevant offers!
You can opt out by clicking on the "Stop receiving all offers" link on the rewards summary page. This link can be found in the upper right part of the rewards summary page.
No, your personal information is not shared with retailers.
Yes, this program is free! There is no cost associated with this program, making it easy for card holders to earn rewards. This new rewards program is just another benefit of using our debit card.
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 www.clarkeamerican.com
All other correspondence:
CAP COM Federal Credit Union
4 Winners Circle, Albany, NY 12205
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.