Please know this is a hold put in by the merchants. The merchants then complete the transaction by submitting their transactions and then the money is taken from your account and shows up 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.

Once you receive your JAXFCU debit card, simply call 800-631-3197 from your home or work phone we have on file and you can activate your debit card. You can also use our Mobile Card App as well. Your card must be activated in order to use the card.

Call 888-886-0083 to create your 4-digit PIN. A PIN is a personal identification number. It should be kept secret, known only to you and not shared or easily guessable.

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.

Some pending debit card holds may drop off before the actual transaction clears your checking account. It makes the money available again, which means that you can overdraw your account while using a debit card. Additionally, a check may not have cleared, which allows you to overdraw. Tracking your purchases yourself on paper or with an app is the best way to protect your money.

Please contact us immediately at 866-559-4806 to report your card lost or stolen.

Our Mobile Card App will allow you to turn your Debit Card off however, you still need to report it lost or stolen.

We will deactivate your debit card. The next business day, we will need to speak to you to verify recent transactions. You can visit your nearest JAXFCU branch to have a new debit card issued or upon your request, we can mail a new debit card to you that you would receive within 7-10 business days.

The first step for you to take if this happens is to contact the merchant and give them the chance to resolve the issue. Most of the time you can resolve the dispute with the merchant directly. However, if you have contacted the merchant and did not get the issue resolved, then you can call us at 904-475-8000 for further assistance.

Examples of disputes with a merchant:

• Subscriptions – monthly or annually, recurring charges: Amazon, Netflix, Xbox Live, Gym Memberships.
• Trial Products – when you get a free sample sent to you; the trial has a recurring charge after the trial period ends. Be sure to read all the fine print.
• Product Not Received – you order online or by phone and never receive the product.

We will need to close your debit card to prevent any future fraudulent charges. We will need you to assist us with answering questions and in some cases paperwork to complete the fraud process.