Prepaid Debit Card
CU Money
A CU Money card from HCU gives you a way to control your spending while still enjoying the convenience of a debit card.
Benefits of a CU Money card:
- Prefund to help you manage your money
- Track spending and add more funds with online management tools
- Easy to add funds online
- Eliminates being overdrawn and paying overdraft fees
- Use wherever Visa® debit cards are accepted worldwide
- Not linked to any account, so there is no risk if lost or stolen
- Safer than carrying cash
Visit you local branch for more information and to get a CU Money card.
Once you have a card visit www.cumoney.com to check your balance and load funds.
CU Money - Frequently Asked Questions
How do I activate my CU Money card?
To activate your card, you will first need to call the Voice Response Unit (VRU) 1-877-850-9650. You will then be assigned a temporary PIN which is the last 4-digits of your phone number. Follow the prompts to change your PIN and activate your card. You can then go to www.cumoney.com and enter your card number and PIN to access your account online.
How can I view my statement information?
Login to www.cumoney.com with your card number and PIN and click on "Statement". You can then chose the month you would like to view and hit submit.
How can I change my PIN?
After your first required PIN change via the Voice Response Unit (VRU), you may change your PIN again. Simply call the VRU and follow the prompts to change your PIN. You can also log into www.cumoney.com and select "Change PIN". You will be required to enter your old PIN followed by your new PIN.
How can I add funds to my CU Money Card?
Log on to you account at www.cumoney.com and Click "Account to Card Transfer". Enter the dollar amount, your credit union routing number and hit submit.
When you load funds to your card online, there will be a 3 day hold on funds before they become available. Only Heritage Credit Union account numbers and routing & transit numbers can be entered into the CU Money website to load funds. HCU's Routing & Transit number is 2759-7898-3.
Are there fees with this card?
Yes, but there are also ways to avoid them as you can see in the chart below.
Card Fees:
$4 new card order
$1.75 monthly maintenance fee
$.50 each time funds are added to the card
Card Limits:
Minimum load amount: $10
Maximum load amount: $5,000
Other Fees
| $1.50 each time a member withdraws from an ATM | AVOID by getting cash as a POS (all signature & POS are free) |
| $.50 each time a transaction is denied at an ATM or merchant | AVOID by checking the balance (at an ATM or online) |
| $.50 for any VRU calls over 4 per month | AVOID by using the web option |
| $5.00 for any customer calls | AVOID by using the web option |
| $15.00 to close out your account by check | AVOID by using the whole balance before closing |
| $3.00 inactivity fee if card is not used over a 3 month period | AVOID by using it |
| $5.00 replacement card | AVOID by keeping your card in a safe place |
| 1% foreign currency exchange | N/A |
