There are a several reasons why your card might not work:

  1. The card must be activated prior to use. If this is a new card, call the activation number provided on the sticker on the front of your card.
  2.  The strip on the back may have been demagnetized and a new card needs to be ordered. Please contact us at 218-336-1800 or Toll Free 1-866-724-3993
  3.  Computer lines may be down and cannot complete the approval process.
  4. If an invalid PIN was used too many times, the system will suspend the card to protect you from potential fraud. Call the credit union to have your card reactivated.
  5. You may have already exceeded the daily dollar limit on your debit card for the day. Contact the credit union to have your limit reset.
  6. If you are using the card outside of your geographic area, transactions may be blocked to prevent potential fraud. Our card processor will attempt to call you to verify these transactions. Notify the credit union that you are traveling out of area so your card will not be blocked.
  7. You must have enough funds available for your purchase.
  8. If you are more than 30 days delinquent on a loan, your card will be suspended until payment arrangements are made. This is also the case if you are a co-signer on a loan that is more than 30 days delinquent.
  9. Your card may be expired.  You should receive a new card 1-3 weeks before your card expires. If you did not receive a replacement card, contact the credit union.