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EMV FAQ

How does the International Prepaid Card work?

How do I know the balance on my International Prepaid Card?

Where can my International Prepaid Card be used?

Are there transaction or reload limits?

Who can order or use the card?

Can I purchase an International Prepaid Card as a gift?

How do I get an International Prepaid Card?

Does the cardholder need to sign an agreement?

How do I activate my International Prepaid Card and obtain my PIN?

What happens if my PIN is not working?

What happens if I need to return an item?

What if the purchase is denied?

Can I use the International Prepaid Card to make a purchase that is larger than the balance on the card?

Can I reload the International Prepaid Card?

Why might my initial load or reload be declined?

Can the card ever have a negative balance?

How do I find an ATM when I travel - particularly overseas?

What is the exchange rate when I get to another country?

When I travel, are my receipts in U.S. dollars or the local currency?

What happens if my International Prepaid Card is lost or stolen?

How do I call for customer support from overseas?

What is a Global Chip & PIN bank card and authentication?

Are any countries blocked from using the International Prepaid Card to make purchases?

What recommendations are there for ensuring hassle free use of my International Prepaid Card?

How does the International Prepaid Card work?

The International Prepaid Card is a reloadable prepaid Visa debit card, which means you can spend up to the value placed on the card anywhere Visa debit cards are accepted. You can shop in stores, online, over the phone, and by mail order. You can get cash at Visa ATMs worldwide. Each time you make a purchase, the amount of that purchase is automatically deducted from the card. When used in international markets where merchants authorize with the Chip & PIN on the front of the card instead of the magnetic stripe on the back of the card, the International Prepaid Card avoids unnecessary declines.

How do I know the balance on my International Prepaid Card?

You can check your balance at this website, by calling your local branch, or by calling customer support at (855) 657-8588. Since a merchant may not be able to tell how much money is on the card, keeping track of your balance is a sure way to know how much you have to spend.

Where can my International Prepaid Card be used?

Your card can be used to make purchases at millions of Visa debit locations worldwide and to obtain cash at any Visa ATM worldwide. Even merchants in countries who only accept cards with a Chip will be able to approve your transaction. However, note that some unattended kiosk terminals outside the U.S. such as luggage cart rentals, parking garages, even transit terminals may decline your International Prepaid Card due to the way the authorization is sent.

Are there transaction or reload limits?

Purchase transactions are unlimited, up to the balance remaining on your card. However, for the protection of our cardholders, there are limits to the number and dollar amount of reloads, ATM withdrawals and cash advances performed within a certain time period. Cash-back from a Visa merchant is allowed at US Visa merchants only. To learn more about the current limits, please reference your terms and conditions.

Who can order or use the card?

Our International Prepaid Card can be purchased by any member in branch or online by anyone that has a valid debit or credit card registered in his or her name. The individual purchasing the card is defined as the primary cardholder. The address listed for the primary cardholder must match the billing address for the debit/credit card used to purchase the International Prepaid Card. Primary cardholders can order online up to 4 personalized secondary cards for family members or companions. When purchasing a secondary card for a young person with no card experience, be sure to go over all of the terms and conditions that accompany the card.

Can I purchase an International Prepaid Card as a gift?

No, International Prepaid Cards cannot be given as a gift. You purchase the International Prepaid Card for your own personal use.

How do I get an International Prepaid Card?

You can order personalized International Prepaid Cards directly at this site or visit a branch and purchase one in person.

Does the cardholder need to sign an agreement?

Each card is distributed with Terms & Conditions. This document fully explains the terms and conditions regarding the use of the card. This document can also be viewed online. The cardholder accepts the terms and conditions by signing the back of the card, using the card, or receiving the card by request.

How do I activate my International Prepaid Card and obtain my PIN?

Each card is distributed with Terms & Conditions. This document fully explains the terms and conditions regarding the use of the card. This document can also be viewed online. The cardholder accepts the terms and conditions by signing the back of the card, using the card, or receiving the card by request.

What happens if my PIN is not working?

It is possible you have forgotten your PIN. Do not make more than 3 attempts if you are receiving a bad PIN error in the terminal. If you try more than three times, you will lock the PIN on your chip located on the front of your card. Before you make any more attempts at purchases, call the customer support number and choose the option “Hear Your PIN” to obtain the correct PIN. If the PIN gets locked on the chip when the failures occurred at an EMV Chip merchant terminal, typically outside the U.S., this card cannot be used at an EMV Chip merchant terminal again until the PIN is unlocked. It can, however, still be used at non EMV Chip merchant terminals and at any ATM worldwide. To unlock the PIN of your International Prepaid Card, call the customer support number (855) 657-8588 and select the option to “Hear Your PIN” to obtain the correct PIN. Next, go to any ATM worldwide that accepts EMV Chip cards and perform a Balance Inquiry or Cash Withdrawal transaction using the correct PIN. After this transaction is complete, your PIN will automatically be unlocked and you are free to use your International Prepaid Card again at merchants and ATMs worldwide.

What happens if I need to return an item?

Each merchant location has its own return policies and will handle the returns in the same manner as any other Visa transaction and may take up to 7 business days to be credited to your International Prepaid Card. The merchant may credit your International Prepaid Card, provide a cash refund or issue a store credit.

What if the purchase is denied?

If a decline occurs, the card's available balance is probably less than the purchase amount. You may inform the merchant of the remaining balance on the card and use another form of payment to pay the difference, subject to the policy of the merchant. Also, please be aware that some merchants - for example, restaurants, car rental agencies, salons, mail-order companies, and cruise lines - preauthorize for an amount slightly higher than your actual transaction to ensure sufficient funds for tips or incidental expenses. This amount is "held" until the transaction settles to your International Prepaid Card. Only the amount you sign for will ultimately be deducted from your card. Use of the card at automated fuel dispensers requires that a specific minimum balance be available on the card, which is determined by the issuer of the International Prepaid Card, in order to complete the transaction. For example, the issuer may require that there is a minimum balance of $75 on the card in order to utilize the card at an automated fuel dispenser. Again, only the actual amount spent will ultimately be deducted from the card.

Can I use the International Prepaid Card to make a purchase that is larger than the balance on the card?

Yes, simply pay a portion of the purchase with the available balance on your International Prepaid Card and then request to pay the balance of the purchase with cash, check, or another credit/debit card.

Ideal Introduction

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Important Announcement

We are very excited to announce that your credit union - Postal Credit Union (PCU) - is rebranding as Ideal Credit Union effective June of 2014.

Why is PCU changing its name to Ideal Credit Union?

Our becoming Ideal Credit Union was a thoughtful and strategic move by our management and board of directors. There is no merger, no new ownership and no new management. So what is the reason behind the change? We are very proud of the 88-year history founded by the hard working principles of St. Paul postal worker employees. Over time the credit union grew by referrals and by small mergers that brought in over 200 Select Employee Groups (SEGs). Then several years ago, Postal Credit Union adopted a community charter serving the Twin Cities Metro Area. As a community based credit union, we are simply updating our name, look and feel to reflect today’s lifestyles in serving our expanded community.

What does this mean for you?

You may be assured that while our name and look are changing, our members will continue to receive the same excellent products, services and member care to which they have become accustomed. Our growth and increased resources will allow us to serve our member/ owners even better, as we continue to honor and live our mission of “Sound financial solutions. Unparalleled service.”

PCU continues to be committed to quality service. We take pride in providing our members with financial solutions they can trust and take ownership for each member experience.

Nothing will change regarding your accounts. Your current account numbers and any loan or deposit obligations will remain the same. You will continue to use the same branch locations, see the same friendly faces, and receive the same awesome service. The phone numbers and branch locations will not change.We will have a new website url - www.idealcu.com.

When will the transition to Ideal Credit Union be made?

We are diligently working towards our transformation, however it will take several weeks to fully transition. We appreciate your understanding and patience as we undergo this process. Thank you to all of our valued members, friends, and family for your support. We look forward to doing business with you as Ideal Credit Union.

         Important information & key dates

      Updated ATMs Late April
      Updated Signage Mid-May
      Updated website June 4th
      Check back periodically for more news
  Frequently Asked Questions
  Celebrate with us at our Annual Meeting
  Read about the change in our spring newsletter

Annual Meeting 2014

Celebrate PCU's Successful Year at the 2014 Annual Meeting

Sunday, April 27, 2014

 

Registration

 3:00 - 4:00 p.m.

     Business Meeting 

4:00 - 4:45 p.m.

   Kid's Activities

3:30 - 5:00 p.m.

Magic Show

4:30 - 5:00 p.m.

Picnic Buffet

5:15 - 6:30 p.m.

Get your tickets

2013 was an exciting year for your credit union. Join us on Sunday, April 27, 2014 as we review the highlights and outline what’s ahead in 2014, including our transition from Postal Credit Union to Ideal. There will be a brief business meeting, kid’s activities, a magic show, delicious picnic buffet and fabulous door prizes. The event will be held at the Prom Center in Oakdale, at 484 Inwood Avenue.

$1.00 Ticket for Picnic Buffet

We’re firing up the grills for a pre-summer cookout. For only $1.00 per person, Enjoy grilled hamburgers, hot dogs, kettle chips, cole slaw, baked beans, watermelon slices and lemonade! Tickets go on sale March 24. Seating is limited, so buy your ticket early! Tickets must be purchased by Monday, April 21 or before they are sold out – whichever comes first! Tickets are available:

  • Online
  • In person at any of our branches
  • By phone - Call 651 770-7000 or 800 247-0857 to deduct payment from your account

NOTE: There will be NO REFUNDS on ticket purchases. You do not need a ticket to attend the Business Meeting only.

Kid's Activities

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Kid’s Club Mascot Bucky Bear has invited his friend, local Magician Norm Barnhart, to come and entertain while the adults are taking care of credit union business.

  • 3:30 p.m. - Balloon animals, face painting and carnival games
  • 4:30 p.m. - Magic show

Business Meeting

All primary members age 18 and older with at least $1.00 in a Share Savings account are eligible to vote to fill three seats on the Board of Directors. You must be registered before the Business Meeting begins at 4:00 p.m. Identification is required as proof of membership. Joint owners of an account do not qualify.

The following candidates will appear on the ballot at this year’s meeting. Three candidates will be selected to serve on the Board of Directors for a three year term. Read their individual bios here.

Board of Directors
James C. Bryan* Lisa M. Liddell*
Keith E. Hauge* James B. Mosner
Read more about the candidates
*incumbent

If you are unable to attend the meeting, but still wish to vote, mail-in ballots will be available beginning April 1. Ballots can be requested by phone or in person at any PCU branch, and must be returned to the PO Box address no later than April 24.

Magic, family-friendly activities, a little business, fabulous door prizes and a taste of summer. Not a bad way to spend a Sunday afternoon. Hope to see you there!

Ideal FAQ

   Postal Credit Union Becomes Ideal Credit Union

 

 Frequently Asked Questions

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Why is Postal Credit Union (PCU) Changing Names?

 

Because our credit union now serves a larger geographic area, we felt a name change was necessary to more accurately reflect the membership that has developed over the last few years. We chose the name Ideal Credit Union as a progressive transition from Postal Credit Union.

Is Postal Credit Union moving away from its affiliation with postal employees?

 

Not at all! In fact, Ideal Credit Union is proud of our 88-year history with postal employees. Far from being a move away from our roots, this change is in reality a proactive step towards becoming a better partner with our broadened field of membership, which is all of the Twin Cities Metro Area.

Is Postal Credit Union changing ownership?

 

The credit union is not under new ownership. In fact, the members are still the owners!

Is the Management or Board of Directors changing?

 

No. You’ll still see the same friendly folks at all of our branches. Our locations will remain the same. Our phone number will remain the same as well: 651-770-7000 and 800-247-0857outside the Metro area.

Will this affect PCU’s website and online services?

 

PCU’s website will be rebranded to www.idealcu.com. Since this may take some time, there will be a notice when you first pull up the website explaining the transition. There will be no changes to our online services. You will continue to use your current user name and password to access your account online.

 

How will this affect my membership status?

 

The name change will have no impact on member status. Your current account numbers and any loan or deposit obligations will remain the same. You will continue to use the same branch locations, see the same friendly faces, and receive the same awesome service. The phone numbers and branch locations will not change

Will my Postal Credit Union ATM and debit card still work?

 

You can still use your current PCU debit and ATM cards. When your current cards expire, they will be replaced with new ones that have been updated with the Ideal Credit Union logo.

Can I still use my Postal Credit Union checks and deposit slips?

 

You can continue to use your PCU checks and deposit slips. When you run out, your new supply will be updated with the new Ideal Credit Union name and logo.

What if a check is submitted to Ideal Credit Union with the payee listed as Postal Credit Union?

 

We will still accept any check or payment written to Postal Credit Union.

Will I have to change automatic drafts and direct deposits?

 

 

Automatic drafts and direct deposits are routed using the same routing and transit and account numbers as now. These numbers have not changed, so there is no need to update this information.

 

 

Will this affect my loans, savings and investments?

 

The name change will not have an impact on any of your accounts. Account numbers, terms, payments, etc. will remain the same.

What are some of the positives of the name change?

 

Members will continue to enjoy superior service. Rates on deposits and loans will remain competitive. Our growth and increased resources will allow us to serve our members even better. A new name, but an old commitment!