What credit cards do you offer?

WCTFCU offers 4 VISA® credit cards each of which is described in detail on our website under the “Credit Cards” tab; our Student VISA, the VISA Gold, the VISA Platinum with ScoreCard Rewards Points, and  the Visa Cashback Credit Card. Visit our ‘Compare Visa Cards’ page to find out which credit cards are best for you and your family.

Do you offer a VISA® Rewards Program?

Yes, our Cashback Visa (From 9.00% APR) offers 1% Cash Back on all purchases; paid quarterly as a statement credit. Our Platinum VISA® (from 8.5% APR) offers ScoreCard Rewards points that can be redeemed for online merchandise and travel rewards. 

Do you offer a VISA® promotional offer or introductory rate?

Yes! We offer NEW cardholders an introductory rate of 2.99% APR for 12 months for any balance transfers and cash advances made during your first year with our Visa Credit Card.

Periodically, special offer promotional rates may be available to new &/or existing Visa card holders as available. See website or call branch for details.

What is the standard interest rate?

WCTFCU VISA® cards are designed to offer the lowest possible rate based on your credit. Our fixed interest rate VISA® card ranges between 8.0% APR and 17.5% APR. Your interest rate will be the fixed rate we quote you at the time of your card approval. The higher your score, the lower your VISA® interest rate. Best of all, as your score improves over time, you may have the opportunity to further reduce your rate as a reward for your good payment history. 

Is there an annual fee?

No! Most financial institutions charge annual credit card fees, but not the Waterbury Teachers FCU. There is NO annual, monthly, or other fees whatsoever. All you pay are any interest charges you accrue, or a penalty if you do not pay your bill. That's it!

Can I transfer balances from other credit cards to my WCTFCU VISA card?

Yes. There is no fee for transferring balances, and it is easy to do: 

1. Gather account information for the credit cards you plan to pay off through the balance transfer.

2. Complete and submit the secure, online Balance Transfer Form Our Lending Team will quickly follow up with you and process your application.

NEW Cardholders get a 2.99% APR special rate for 12 months on transfers made within first year of having our Visa Credit Card!

Can I get cash advances?

Yes. In addition to charging purchases, your VISA credit card permits you to borrow cash. Unlike other institutions, there is no fee for cash advances (finance charges do apply). There's no special arrangement to repay. Cash advances show up on your monthly statement along with your purchases. You may also contact WCTFCU to request your own Personal Identification Number (PIN), which will allow you to make cash withdrawals at ATMs worldwide which display the VISA® network symbol.

SecurLOCK Equip Visa Credit Card FAQs

What is SecurLOCK™ Equip? SecurLOCK Equip is a mobile app that allows you to control how, when and where your credit cards are used. It is a simple and secure way to manage and monitor your payment transaction activity. SecurLOCK Equip can help keep your payment cards safe and provide instant notifications whenever your card is used. 

What is required to use it? SecurLOCK Equip requires you have a credit card account issued from WCTFCU. You will also need an Apple or Android smartphone. After downloading the app you will be instructed to enter your full account number then other authentication information. Once registered you can begin using the app immediately.

Is there a fee to use the app? No. It is provided to you free so you have more control over your card.
What if I am having trouble during registration? Please use the Contact Us button at the bottom of the landing page.

CONTROLS & ALERTS Once I register my cards how do I begin managing and monitoring my payment activity? You can begin using the service immediately. By turning the card off the little green button in the top right corner of the card image will turn to red. This means that all transactions (except for reoccurring) will be declined. When ready to make a purchase simply turn the card back on. It is that easy. Now you have the ultimate control to combat fraud. After you become comfortable with the on/off function you can start selectively setting controls and alerts by channel (in-store, online, mobile, ATM, etc.). You can also set transaction spend limits, select geographic locations where the card can be used, set specific merchant categories, view recent transaction history, receive real-time alerts and much more.
What is a real-time alert? It is an immediate notification sent to the app. You can select to be alerted on all your payment transactions including recurring payments or you can select just preferred transactions. Preferred alerts are available by spend limits, location, transaction type and merchant category. 

By turning my card off am I closing my account? No. Using the card controls does not change the status of your account.

How long does it take for a control or alert setting to take effect? It happens immediately after you set and save the option. 

If I have my card turned off will my recurring transactions go through? Yes. Merchant recurring transactions will be approved. Additionally, you can select to receive
alerts on recurring transactions as well. 

I I turned my card on and set My Location. I was at the merchant, and my transaction was still declined. Why? In the app go to Transactions, find the one that was denied and open it, tap the image so it rotates, and the control(s) that were evoked during the authorization will be listed near the bottom. The transaction could also be declined because of external factors like non-sufficient funds or fraud monitoring.

What are Alert Preferences? Alert preferences let you know every time a card transaction is attempted. You can be alerted for all or preferred transactions. Preferred alerts are also available by location, transaction type, merchant type, and threshold amount.

My alerts are supposed to notify me of every transaction, but I am not receiving them. Only the primary device will receive alerts. Use the settings menu in the app to set your device as primary. Multiple users of the same of the same account will be notified if one of the user changes a preference.
I received a new card number. Will it be automatically updated in the app? You must add the new account to the app. This can be done by going to Manage Account and adding the card. Be sure to “unmanaged” the old card.
What if I need help with the app? See the “Contact Us” category.

How long will my transaction history display? The last 50 transactions will display in the app for thirty calendar days. 

My pending purchase shows it is for more than I paid. Why? Some merchants send pre-authorizations at higher amounts to test cards' validity. For example,
a $25 gas purchase might display as $126. Pre-authorizations are common at the pump, for a hotel stay, or for a car rental. Even though the charge is listed in the app for more, it will clear your account for the correct amount.
How do I get more information about the features and functionality of the app Detailed information can be found throughout the app. Help can be found at the bottom of the login page and listed in the menu. On specific pages such as the My Location page tipping the “i “ next to My Regions will open a window with detailed information on how the control works.

What if my smartphone is stolen? How secure is the app? The app requires a password to access the app. Also, there is no personal information stored on
the smartphone. The app only displays the last four digits of your card number.

How do I pay my VISA® credit card bill?

You can make payments to your VISA:

1) In online banking, from your desktop, tablet & smartphone:
   - On your Dashboard click on Transfers widget (at left)

   - Select & click on the account from which you will fund your payment (at left)

   - Click on the amount you are choosing to pay (select a pre-set amount or enter your own amount)

   - Click on the Visa account and select the payment date &/or recurring payment option  (Today or Occurs)

 2) On the WCTFCU Visa website ezcardinfo.com 

3) US Mail, using the remittance slip and return envelope provided in your bill. OR If you use another envelope mail your payment to: PO Box 4521, Carol Stream, IL, 60197-4521 

4) Telephone: Call Visa Customer Service 800.237.6211

5) In person at a WCTFCU branch

Can I access my VISA® account information online?

Yes. You can view your VISA® account balance at www.wctfcu.com . For account details visit www.ezcardinfo.com .  Here you can view statement history, view current balance and payment information, view current and historical transaction activity, make a payment and view payment history, find contact information, and download account transactions into multiple formats.

Can I use my WCTFCU VISA® for overdraft protection?

No. VISA accounts cannot be used for overdraft protection. Our standard share account overdraft sequence and Overdraft Protection products are available for this purpose. Please refer to your Membership materials or contact us for more information.

How does chip technology protect my information?

Chip-enabled cards have been the standard in Europe and many other countries around the world and are becoming a new standard in the United States. The chip technology provides enhanced fraud protection, as the card is now nearly impossible to duplicate. It also offers global acceptance, making it easier on those who frequently travel internationally to continue using their regular cards for payments.

What is a chip-enabled VISA® card?

Each chip-enables card contains an embedded microchip. This chip holds information that is encrypted, making it extremely difficult for the card to be copied or counterfeited. Every time you use the card at a chip-enabled terminal, the embedded chip generates a unique transaction code. This prevents stolen data from being used fraudulently.

Where can I use a chip-enabled VISA® card?

You can use chip-enabled cards anyplace that accepts VISA® debit or credit cards, online and abroad.