Skip to main content

VISA Cards

VISA Debit Cards

Through ēCO’s Basic, Advantage, and FORWARD Checking Accounts, members have access to free VISA Debit Cards. Debit Cards can be used anywhere VISA is accepted and at Co-Op Network ATMs Nationwide —surcharge free. All ēCO Debit Cards are EMV Chip-Enabled.

  •  To activate your new ēCO Credit Union Debit Card, please call: 800-862-0760.
  • To assign your Debit Card PIN Number, call: 800-992-3808.
  • In case of a lost or stolen debit card, please call: 800-472-3272.

VISA Credit Cards

Whether traveling or shopping around town, ēCO’s Credit Cards are a great solution. We offer five VISA Credit Cards to meet your needs.

Compare Cards
Card ēCO Platinum Preferred Plus VISA ēCO Platinum Preferred VISA ēCO Platinum VISA ēCO Classic VISA ēCO FORWARD VISA*
Annual Percentage Rate (APR) for Purchases, Cash Advances, and Balance Transfers 4.99% Introductory APR for the first 6 months; After that, your APR will be 7.49% 4.99% Introductory APR for the first 6 months; After that, your APR will be 9.50% 11.95% APR 16.8% APR 16.8% APR
UChoose Rewards® Yes Yes Yes No Yes
Fees to Open or Maintain Annual Fee: None
Application Fee: None
Transaction Fees Balance Transfer Fee: None
Cash Advance Fee: None
Foreign Transaction Fee: 1% of each transaction in U.S. dollars if the transaction involves a currency conversion.
Grace Period You have 25 days to pay your balance for purchases if you pay your entire balance by the due date each month.

 *ēCO FORWARD VISA only available for members between the ages of 19 and 29.

Apply Today

UChoose Rewards®

Earn Bonus Points for every new retail purchase you make with our ēCO FORWARD, ēCO Platinum, ēCO Platinum Preferred, and ēCO Platinum Preferred Plus Credit Cards! You earn one UChoose Rewards® Point for every $1 in retail purchases made using your ēCO VISA Card. Points can be redeemed for brand-name merchandise and exciting travel rewards.

View and register for the UChoose Rewards® Bonus Points

Access Account Information

We have made it even easier for you to access all of the information about your ēCO Credit Card. To view real-time credit card information, including transactions, pending activity, payment information and member email alerts, log-in to your ēCO Online account. If you are not currently enrolled in ēCO Online, step-by-step instructions can be accessed on the Online Services page.

VISA Credit Card Online Account Access

In case of a lost or stolen Credit Card or to contact member service, please call: 1-855-553-0971.

Gift Cards & Travel Cards

ēCO VISA Gift Card

VISA Gift Cards make a perfect present for weddings, graduations, birthdays, and housewarming.

  • Give gifts from $25 to $500.
  • Use wherever VISA Debit Cards are accepted.
  • Can be replaced, if lost or stolen.
  • Card fee – $2.50
  • Available at any convenient ēCO Branch.

ēCO VISA Travel Card

ēCO’s VISA Travel Card is a prepaid, reloadable VISA Debit Card that offers you a better alternative to traveler’s cheques and cash.

  • Minimum card load is $100; Maximum card load is $5,000.
  • Accepted at millions of merchants around the world that accept VISA Debit Cards and more than 950,000 VISA ATMs.
  • Card fee – $4.95 (Reload fee is $2)

Available at any convenient ēCO Branch.

ēCO Visa Credit Card Balance Transfer

Your financial journey can seem like a never ending road full of twists and turns adding even more onto the debt that has already piled up.

The balance transfer promotion here at ēCO offers our members and future members, that qualify, the ability to transfer balances to an ēCO Visa Credit Card at 4.99% APR for the life of the balance transfer. There is NO Balance Transfer fee and it can be used to transfer debt from other loans, auto, and credit card debt from October 1, 2018-January 25, 2019.

It’s not hard to get started; you can apply online HERE or visit one of our convenient branches. ēCO membership is open to anyone who lives, works, worships, or attends school in Jefferson, Shelby, Walker, Blount and Cullman counties.

*Subject to Credit Approval *Current ēCO Loans or Credit Cards are NOT eligible *APR-Annual Precentage Rate