Online Banking

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Debit Cards

Access your Achieve Financial Checking Account with an Achieve MasterCard Debit Card.

  • Make PIN based purchases.                                       
  • Signature-based transactions act like a credit card.
  • Chip-enabled technology for added protection.
  • Apple Pay™ allows you to make payments with your Apple mobile device & your Achieve debit card.
  • Access to thousands of nationwide Surcharge-Free ATMs.
  • Unlimited, free transactions at Achieve Financial ATMs.
  • View transactions with Online Banking & Mobile Banking.
  • Shop online –securely with MasterCard® SecureCode™   
    At the end of each online purchase you "sign" a receipt with your private registered SecureCode.
    Only you can sign the receipt, ensuring a safe online shopping experience.
      Click here to register and use MasterCard SecureCode.

Achieve CCSU Debit Card

Give Back to your school. Make a Purchase. Make a Difference.

CCSU Alumni, faculty, employees, students, and families.

Request the Achieve CCSU Debit Card and help support CCSU Students. When you make a purchase of $10 or more with the Achieve Financial CCSU Debit Card, the Credit Union will donate 10 cents back to the University Scholarship Fund.

Instant Issue Debit Cards

At Achieve Financial, we make sure obtaining a Debit Card is as quick and simple as possible. We offer Instant Issue MasterCard Debit Cards when you open a checking account at a local branch. You can choose from either our Achieve Financial Debit Card or the Achieve CCSU Debit Card.

Apple, the Apple logo, iPhone and iPad are trademarks of Apple Inc. registered in the U.S. and other countries.

Find Surcharge free ATMs

CardValet

The CardValet® Mobile App helps you control debit card spending, protect yourself against fraud and even “turn off" your debit card when you’re not using it.

Available on the AppStore   Android App on Google Play

Real-Time Alerts Equal Protection
CardValet can send a real-time text alert when your card is used, when a transaction is approved or when a card transaction has been attempted but is declined.  If you suspect fraudulent activity, simply turn your card “off” and contact the credit union.  When your card is “off”, no withdrawals or purchases will be approved.

Debit Card on/off setting
When the card is "on," transactions are allowed in accordance with each cardholder's usage control settings. When the card is "off," no purchases or withdrawals are approved until the card is turned back "on." This control can be used to disable a lost or stolen card.

Review Balances and Transactions
CardValet can be used to check your account balance.

Set limits on your debit card purchases
Spending limits can be established to allow transactions up to a certain dollar value and decline transactions when amounts exceed pre-defined thresholds. Transactions can also be monitored or controlled for specific merchant categories such as gas, hotel, travel, restaurants, groceries or electronic stores.

Control spending by location
The “My Location” control can restrict transactions to merchants located within a certain range of your location. Using the GPS system in a smartphone, transactions requested outside of the specified range will be declined.

Watch Video

One Credit Union Member's Experience Using CardValet:

"I was at home cooking dinner last night when I heard my phone ring with an alert.  I picked up my phone and saw that my debit card had just been used at a local store. Then a second alert came through, also at the same store.  I quickly logged into CardValet and turned my debit card OFF!   About 15 minutes later, I heard another alert on my phone.  I picked up my phone and saw that a transaction had been denied at a different store in the same town because my card had been blocked at my request. Love this app!"

*CardValet is a registered trademark of Fiserv, Inc. or its affiliates. Available for Apple iOS and Google Android devices.

Debit MasterCard® with Apple Pay

An Easier Way to Pay
Apple Pay™ is a safer, easier, and faster way to complete transactions. It allows you to pay for your purchases with your iPhone® 6, iPhone 6 Plus, or Apple WatchTM by holding your device near a contactless reader at participating merchants. You can also use your iphone, iPad AirTM and iPad miniTM to pay within certain apps.

Simple. Secure. Private.
Apple Pay is easy to operate. The entire transaction is secure, because your debit card number isn’t stored on your device or any server, so they're never shared with merchants.

How Does It Work?

Apple Pay pairs your device with your existing Achieve Financial debit card to complete transactions without your wallet. It is more secure than using regular plastic cards because it never uses or stores your actual card numbers. Instead, it assigns a unique Device Account Number to your device and every transaction is completed with a dynamic security code. Your actual credit or debit card numbers are never shared by Apple with merchants or transmitted for payment.

Paying is easy and secure.

To pay at stores, hold iPhone near the contactless reader with your finger on Touch ID. Keep your mobile device by the reader until it vibrates and beeps, indicating your payment was accepted.

On Apple Watch, just double-click the side button and hold the display of your Apple Watch up to the contactless reader.

To pay within apps on iPhone and iPad, select Apple Pay as the payment method and place your finger on Touch ID.

Apple, the Apple logo, iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay and Touch ID are trademarks of Apple Inc.


Understanding Chip Cards.  Enhanced Security for Achieve Cards.

Achieve Financial now offers cards with chip technology. The embedded computer chip provides more security and wider international acceptance.

A microchip embedded in the card adds a new layer of protection against fraud for purchases made at the point of sale. Information programmed into the chip is personalized for your account and each transaction generates a unique code, adding an extra safeguard against unauthorized use and counterfeiting.

These cards are already in wide use around the world and are now becoming the standard in the U.S.

Chip cards are now available for Achieve Debit Cards, CCSU Debit Cards and Visa Credit Cards.

Follow these steps to use your card at a chip-enabled terminal
1Insert your card, face up and chip end into the chip-enabled terminal.
2Leave the card in the terminal during the entire transaction.
3.  Follow the instructions on the screen and either sign your name or enter your PIN as needed.  Be sure to remove your card and take your receipt when the transaction is complete.

If a merchant isn't using a new chip-enabled terminal yet
You will still have a magnetic stripe on the back of your card.  Therefore, you will swipe your card as you normally would and the payment will proceed as usual.

Online or phone purchases
Provide your card information as you have done in the past.  Chip cards will not change the way payments are made online or by telephone.

At an ATM
The process is essentially the same as at a merchant.  Insert your card, leave it in the ATM, and follow the prompts on the screen. Depending on the type of ATM, you may be prompted to re-insert your card.  Leave the card in the ATM until the transaction is complete and the card is released, and then remove your card.  A PIN is needed for ATM transactions.

Can I use my chip card with Apple PayTM?
Yes.  You can use your chip card to make payments with Apple Pay at participating merchants.

Will chip cards prevent data breaches?
While chip cards won't prevent the types of large-scale data breaches that have hit some merchants, they do make it extremely difficult to produce counterfeit cards from that stolen data.

Are Chip-enabled terminals everywhere?
Even though chip cards are being issued in the U.S. and some merchants have already installed chip-enabled card terminals for payment, the entire conversion process is expected to take a few years to complete.

When will I get my chip card?
There is no need to request a new card.  You will automatically receive your new chip card in the mail before your card's expiration date.  Once your new card arrives, be sure to activate it for use and then destroy your old card.


Apple, the Apple logo and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries.
Apple Pay is a trademark of Apple Inc.  All other trademarks are property of their respective owners.