There are a few reasons why these cards might not work.

  1. Most likely the strip on the back has been damaged or demagnetized.  You can bring it in to our Main Office or North Branch to review your card and we are able to do an instant issue of a debit card if required.
  2. There may be an issue with the account having enough available funds or you may be past due on a loan or Visa Credit account.
  3. If this is a new card, you will need to activate it before you can use the card. The debit card may be activated by using it with your PIN at an ATM. The credit card may be activated by calling the toll free number on the temporary sticker placed on the front of your new Visa Credit Card.
  4. If the purchase is being done manually by a merchant or online vs.a card reader reader being used, an error could have been made when inputting the card number or the expiration date.