Debit Cards

We can print one for you at your local branch, or call us at (904) 475-8000 to have one mailed. We will need to verify that we have your current address and good phone numbers on file for your account.

Once you receive your RadiFi debit card, simply call 800-443-2664 from the phone number we have on file to activate your debit card. Your card must be activated to be used.

You will need to create a 4-digit PIN (Personal Identification Number) to allow transaction purchases. This number should not be given to anyone and not shared or easily guessable.

A debit card is linked to your RadiFi checking account. You can use it anywhere Visa® is accepted, or use it to withdraw, transfer or deposit money through our ATM network. Using a debit card, you can make a purchase at a merchant and the money will come out of your RadiFi checking account. You can also select to get cash back when making a purchase at most retail stores.

When you use your debit card, the merchant will place a hold* for the funds of your transaction. This will show as a pending transaction within your account inside Digital or Mobile Banking.

*Please note that this is a hold put in by the merchant (not RadiFi). When the merchant completes the transaction, then the money is withdrawn from your account and shows in your cleared transactions. Some merchants may take longer to process the transactions, and you may have a transaction listed as pending for a few days.

The best option is to use our Mobile Banking app on your smartphone. This allows you to check your checking balance before making a purchase with your debit card.

Yes, your checking account can be overdrawn with a debit card. Regularly checking your account balance using Digital Banking or a Mobile App can help prevent overdrafts. Please keep in mind that your debit card transactions process along with other transactions in your checking account. If you have checks clear later, you can find yourself overdrawn while using your debit card. It is important to keep a running balance on the account so that you know how much money you have available to you.

For example, a debit card transaction may not have cleared quickly, and your balance was larger than it should have been. Or, a deposit could have been delayed, leaving you with insufficient funds to cover your withdrawals.

If you have opted-in for Courtesy Pay on your debit card, then we allow you to overdraw your checking account to a certain dollar amount and simply charge you fees for each transaction that we pay into the negative.

You should only use your debit card at reliable merchants. You should use caution when using your debit card for a hotel or car rental. If you use your debit card at a hotel or for a car rental, the company will put a larger hold on the account to cover extra costs that you may accrue. It is important to be aware of this so that you do not run into a situation in which your debit card may be declined because of the hold. Be sure to have additional money in your account if you use it for a hotel or a car rental.

You can also use card controls in our Mobile Card App to turn your card off/on, as well as set controls for how your debit card can be used

It is not a good idea to give your debit card to anyone! You should never give out debit card information: card number, expiration, or 3-digit code (CVV) on the back.

Offer to set up a transfer within Digital Banking, or stop by one of our ATMs to withdraw cash instead.