Debit Cards
When it comes to debit cards, you need a simple experience without any roadblocks.
You need an experience as easy as inserting, swiping or tapping your card and walking away with what you bought.
Southwest Financial debit cards make sure you receive that experience!
Your debit card has these benefits:
- Simple to get since it comes with all checking accounts
- Spending controls, card deactivation and more with the CardValet app
- Hassle-free payments wherever you like to shop
Debit Card FAQ
How long does it take to receive a new debit card?
It takes seven to ten business days.
How do I report my card lost or stolen?
Call us at (214) 630-7111 and speak with our Member Loyalty Team.
When will I get my new card after it’s lost, stolen or renewed?
You will get your new card within seven to ten business days.
Can I turn my card on and off?
You can call our Member Loyalty Team to add a temporary or permanent restriction. By downloading the CardValet app, you have the option of temporarily blocking your card as well.
Are there transaction limits on my card?
Yes! The daily limit is $1500 for pin-based transactions and $2500 for credit-based transactions.
Do I need to notify the credit union that I will be using my card during travel?
Yes! Inform us whenever you leave the country to avoid any mistaken card deactivations.
Are there fees if I use my card outside of the US?
Yes! There are foreign transaction fees based on the merchant.
How do I dispute a transaction on my account?
Contact our Member Loyalty Team via phone at (214) 630-7111 or send us a secure message.
Are there different types of disputes?
Yes! There are two types of disputes. Fraud disputes are for unknown transactions. Regular disputes are for transactions you initiated but did not receive the product or service as promised.
When will I hear from someone regarding my dispute?
We will contact you with any updates or additional questions within five business days of the receipt of your dispute form.
How long will it take for me to get my money back on a dispute?
For fraudulent transactions, you will receive credit within five business days. For regular disputes, it may take 45 to 60 days to get a response from the merchant.
Can I dispute pending transactions?
No. Transactions must have posted to your account. This is because pending transactions sometimes fall off or post for a different amount.
Why was a company able to take money from my account when I placed a stop payment on them? (i.e. when a company takes a payment using your debit card after we placed an ACH stop payment.)
Stop payments must be placed for each type of payment method (ACH, debit card, etc.).
Did you just receive your new card? Activate it and create a PIN by calling 800.992.3808.
You can also report lost or stolen cards at 800.472.3272.