Routing Number: 263178070

Important Information About EFCU Debit Cards

Important
Information

about your
EFCU Debit & ATM Cards

Important
Information

about your
EFCU Debit & ATM Cards

Important Information
about your
EFCU Debit & ATM Cards

All EFCU debit & ATM cards were converted to a new card processor on Monday February 24th. Below we have provided important information regarding verifying your contact information, activating your card or changing your PIN, changes to CardValet and more. We encourage you to please return to this page regularly for the latest updates.
All EFCU debit & ATM cards were converted to a new card processor on Monday February 24th. Below we have provided important information regarding verifying your contact information, activating your card or changing your PIN, changes to CardValet and more. We encourage you to please return to this page regularly for the latest updates.

If your card was issued after 2/21, or you changed your PIN after 2/23, your card will not work in EFCU ATMs that have not been upgraded and converted to the new processor. We plan to have all 40 ATMs converted by mid-April. As each ATM is converted you will then be able to use your card at that specific ATM. Your card should currently still work at non-EFCU ATMs and merchants. Visit our Locations page to find a surcharge-free ATM near you.

Please review the list below if your card is not working for information on how you can resolve the issue:

  • If you attemped a transaction in person that required your PIN and it was declined you may be able to perform the transaction by running it as a "credit." If you cannot successfully make a transaction, please contact us via secure email or give us a call at 850.862.0111 for assistance. Please expect delays as we are experiencing a high volume of calls.
  • If you are traveling and your card was declined, please contact us via secure email to let us know immediately. Please include the last four numbers on your card, travel dates and locations in the email. If you are traveling for more than 30 days, please fill out our Travel Notification Form and complete it via DocuSign or print it and bring it into a branch.
    • If you are traveling and you need to withdraw cash immediately and your card is not working, EFCU is part of the CO-OP Shared Branch network which allows our members to access their accounts at more than 6000 credit unions nationwide. Visit our locations page to find a Shared Branch near you.
  • For all other issues please contact us via secure email and describe the issue in detail. You may also contact us by phone at 850.862.0111, please expect delays as we are experiencing a high volume of calls.

Is there a way to test my EFCU Debit card to see if it is working on or after Monday February 24th?
Yes, visit an EFCU ATM and perform a balance inquiry. If it is successful, your card should perform all transactions as expected. If not, please contact us via secure email and be sure to include the last four numbers on your card.

Will my card number change?
No, your card number will remain the same.

Will I be issued a replacement card?
No, you will not receive a replacement card unless your current card is expiring or is reported as lost, stolen or damaged.

Will the phone number to activate my card change?
Yes, the number to call to activate your card will change after February 24th. See "Important information about activating your EFCU debit card" on this page for more details.

Will the phone number to select or change my PIN change?
Yes, the number to call to select or change your PIN will change after February 24th. See "Important information about activating your EFCU debit card" on this page for more details.

Will I still be able to continue to use the CardValet app to manage my debit card controls?
No, Cardvalet will be unavailable after February 24th, see "CardValet will be replaced with CardNav" on this page for more information.

Can I load my debit card into CardNav prior to February 24th?
No, CardNav will not accept your EFCU debit card until February 24th.

Will I still be the point of contact for all cards under my EFCU account?
For now, all communications regarding cards on your account will be directed to the primary member. Please see "Make sure your contact information is current and accurate" for more information.

Person-to-Person (P2P) payment systems such as PayPal, Venmo, Zelle, Cash App and others may not work with your debit card until Wednesday February 26th.

If you previously filed a travel notification and your card does not work, please contact us via secure email to let us know immediately. Please include the last four numbers on your card, travel dates and locations in the email. If you are traveling for more than 30 days, please fill out our Travel Notification Form and complete it via DocuSign.

To avoid any unnecessary interruption of service to your EFCU debit and/or ATM card and to assist us with protecting your financial data, it is vital that we have your current and accurate contact information on file. If you are uncertain, we encourage you to check your EFCU account to verify we have the correct information. If you have online account access (desktop browser and/or mobile app), you can check and update your contact information by selecting "Contact Information" under the "My Profile" tab in the navigation menu. If you do not have online account access, please give us a call at 850.862.0111 or stop by one of our branches to speak with an EFCU representative.

To activate your card or select or change your PIN on or after February 24th, please call 866.762.0558. If you experience difficulty activating your card or selecting/changing your PIN, please give us a call at 850.862.0111.

We have consolidated your card controls by replacing the CardValet app with CardNav. As of February 24th, you are able to manage all of your EFCU Debit and Credit cards in one place. Learn more about CardNav