Acadia's unlimited-transaction debit card acts like a credit card but pulls funds from your checking account, so you're only spending money you already have. Use it for all your everyday purchases—you'll love the convenience!
| Expedited Card | Fee Varies |
| Copy of Sales Draft | $5 |
| Late Charge (over 30 days) | $20 |
| Copy of Credit Card Statement | $2 |
| Returned Check | $25 |
| Expedited Card | Fee Varies |
| Copy of Sales Draft | $5 |
| Credit Union-Owned & SurF ATMs | FREE |
| Point-of-Sale Transactions | FREE |
| Non-Propietary ATM Transactions* (Includes withdrawals, transfers, inquiries, and denials) | 2 FREE per month; $1 thereafter |
| Negative Transactions | $25 per item |
| Lost Card / Reorder Fee | $10 per card |
*Fees may be imposed by the host financial institution/company
Yes, we sure can! From within your Acadia FCU Digital Banking portal, you can activate “Credit Score,” a free service for our members. Powered by SavvyMoney, Credit Score will help you stay on top of your credit. It monitors your credit report daily and informs you by email if there are any big changes detected. Learn more by visiting the Credit Score product page on this site. You can also check out this video on your YouTube channel to learn more!
Acadia’s card control product, Card Valet, was sunsetted in the first half of 2023 in favor of a new product — Acadia Smart Card. The new version works like Card Valet did, but with integration into the AcadiaGO mobile banking app, which makes for a better user experience. You can activate Acadia Smart Card by logging into AcadiaGO and:
Learn more about Acadia Smart Card here. Feel free to contact us if you need assistance!
Yes, teens age 14 and older can open checking accounts and get a debit card, as long as there is a parent or guardian also on the account. The responsible adult will need to fill out a minor addendum stating that they are responsible for losses incurred on the minor’s savings and checking accounts. We love to see our younger members learning how to be responsible and are happy to help them, anytime!
Acadia has a $1,000 in 24 hours limit on ATM withdrawals, however, if you need this limit increased for a specific period of time, please call your local branch to get a manager’s approval. Your local branch can be reached by clicking here.
Acadia has a $2,500 per 24 hour limit on purchases using our debit card, however, if you know you are making purchases totaling more than our daily limit, please call your local branch to get manager approval for a specific period of time. You can reach your local branch by clicking here.
When you receive your debit card in the mail, please refer to the sticker on the card to activate your Acadia debit card and you will assign your PIN during this process. If you have any further questions, please feel free to reach out to your local branch here.
If your Acadia debit card has been activated and you need to change your PIN, please call 1-(800)-992-3808. If you wish to change your PIN in-person, please visit one of our branches with Instant Issue service. You can find an Instant Issue branch by checking this page and referencing the fine print at the bottom of each branch listing.
Acadia does not charge ATM fees when the debit card is used at a SURF network ATM. Otherwise, the member will be charged the fee from the financial institution the ATM is managed through along with a $1 fee from Acadia. However, Acadia allows members to use out of network ATM’s twice each month with no fee.
If the card has natural wear and tear and is no longer working, a replacement debit card is free from fees.
Fees to replace a debit card are charged only after the first time the card is lost. After the first time, the fee is $10 to replace the card.
A traditional debit card can be used with a savings (Share) account for ATM access only. If you want to use your Acadia traditional debitcard to make purchases, you will need to open a checking (Draft) account. For more information about the different checking accounts Acadia offers, click here.
I am so proud to be a part of the Acadia family! It is so nice to work with people who care for one another like we do. Gail Beaupre, Support Center Supervisor & Lipstick Junkie
