2317 Easton Avenue
Bethlehem, PA 18017-5099

Phone 610-691-0041
Fax 610-691-8624
E-mail service@btcu.org

Click here to return to the BTFCU Home Page.

Convenient Access:

Click here to do your BTFCU banking on the Internet. (Requires registration before using first time.)

Link to the BTFCU Electronic Bill Payment site. (Requires registration before using first time.)

The phone number for Audio Response (Bank-by-Phone) is 1-800-553-0857. Click here for audio response instructions.

Click here to do your VISA card banking on the Internet. (Requires registration before using first time.)

Click here to find ATMs that charge no fees to BTFCU members.

Click here for an online Mortgage Application.

Click here for an online Loan Application.

Click here to see BTFCU's Savings Accounts and Savings Rates. Click here to see BTFCU's Loans and Loan Rates.

Find out how to join Bethlehem Teachers FCU.

Office Hours:

Monday, Tuesday,
Wednesday, Friday:

9:00 a.m. - 5:00 p.m.
Thursday:
9:00 a.m. - 6:00 p.m.

Closing or delay due to weather? Check WFMZ:

Click here to go to Channel 69's Stormcenter Update webpage.
Click here to go to the BTFCU Facebook Page.
SITE INDEX
About Us
Applications & Forms
Bill Pay
Calendar
Canceled Checks
Car Loans
Checking
Contact Us
Credit Card
Debit Card
Dorney Tickets
E-Statements
Fees
Gift Cards
Home Page
Hours
Loans
Membership
Merger
Mortgages
New to BTFCU?
Newsletter
Online Banking
Overdrafts
Privacy
Savings
Scambusters
Skip-A-Pay
Student Care Package
Technology Loan
Info on ATM (Star) Cards and VISA Debit Card Mortgages (BTFCU is an Equal Housing Lender)
Information on VISA Credit Cards
Your savings are federally insured  to at least $250,000 and backed by the full faith and credit of the United States Government. Click here to learn more about how you are protected by the NCUA.
Serving Members
Since 1935

Visa® Credit Card


Visa Card

Save money while you support your Credit Union!

A VISA® Credit Card from BTFCU is your passport to the finer things in life. It's accepted around the corner or around the world at the finest shops, restaurants and hotels. You will find the familiar VISA® sign displayed almost everywhere you go. You can earn rewards with our ScoreCard® Bonus Points Program. And now BTFCU offers a VISA® Preferred Card with a lower rate for members who qualify.

Visa® Credit Card Information:

Click a topic to read more:

 

How Do I Apply for a BTFCU Visa Card?

Click here for an application form or visit the credit union and ask for a Visa application.


Online Features of Your BTFCU VISA Card

  • Account Summary--Get a snapshot of your account balance, available credit, payment information, credit limit, and all recent transactions that have not yet been billed.
  • Full Statement--You can view 6-18 months of your credit card account history.
  • Bill Payment--Make credit card payments directly from your share draft (checking) or share (savings) account.
  • Transaction Tracking--View transaction information, assign expense categories and add memos, which can be searched at a later time.
  • Reports--Create customized reports.
  • Alerts--You can be notified automatically via e-mail when events occur.
  • Find Transactions--Search statement information for specific transactions.
  • Download--Download information to use with your own money management software (e.g. Quicken).
  • Customer Service--Answers to many of your VISA questions; Research and dispute transactions, if necessary.

Return to Top of Page


How to go online with your BTFCU Visa Credit Card:

Using your Internet browser (Internet Explorer, Netscape, etc.), go to www.eZCardInfo.com. If this is the first time you are using the new VISA site, click on the "Enroll for Online Services". You will be asked to choose a user name and password, and register your e-mail information.

Once logged in, in addition to gaining access to your VISA account information, you may opt to disable online access.

Return to Top of Page


Beware of 'teaser' rates

Some institutions offer what are often referred to as 'teaser' rates. They look inexpensive at first, but watch how high the interest rate goes after that introductory period is over. Like all of BTFCU's offerings, our VISA card has maximum convenience with minimum 'gotcha'.

Return to Top of Page


BTFCU VISA Preferred Card

In addition to the "standard" VISA Credit Card, BTFCU now also offers a "preferred" VISA Credit Card. This new card provides a low rate of 9.90% APR to those who qualify. Qualifications are based on your FICO/Emperica credit score. Other restrictions may apply.

Members with existing BTFCU VISA cards may request to convert their "Standard" card to a "Preferred" card. Such members should note:

  • Should a cardholder who has been converted from "standard" to "preferred" be late in their payment for two consecutive months, their card will automatically revert to a "standard" card and carry the higher interest rate.
  • Any purchases made prior to the conversion will continue to be charged at the "standard" rate. Only new purchase will receive the new "preferred" rate.

Stop by or call our office at 610-691-0041 for details.

Return to Top of Page


Automatic Payment Option

You may elect to have your monthly payment, full payment, or an assigned amount made by an automatic withdrawal from your BTFCU Share or Share Draft Checking Account. Call member services at 610-691-0041 for information.

Return to Top of Page


Disclosure of BTFCU Visa Card Terms and Rates

**The disclosure forms are in .pdf (Portable Document Format) form. The Adobe® Acrobat® Reader (or similar .pdf reader) is required to open this document. You probably already have Acrobat installed on your computer. If you don't, you may download it at no cost from the Adobe Web Site.

Remember to UNCHECK the

A note about the Adobe Reader Download: Before you download the Adobe Reader, we recommend that you UNCHECK the "Include in your download" box BEFORE you click the "Download Now" button. See diagram at left. The "Free Google Toolbar" is NOT necessary (most browsers now have a search box built in), it slows your computer down, and it records everything you search.

If you already have a BTFCU VISA Card, you can see the latest information about your VISA account by clicking this link: www.eZCardInfo.com.

To apply for a BTFCU VISA credit card, please call us or e-mail us requesting an application. You can also stop by the Credit Union office.

Return to Top of Page


What do I do if my card is lost or stolen?

You can report a lost or stolen card 24 hours a day, 7 days a week by telephone.

  • VISA Credit Card: 1-800-299-9842
  • VISA Debit Card: 1-800-472-3272

HINT: To protect yourself in the event of losing important cards you carry in your purse or wallet, it is a good idea to photocopy all of the cards (front and back). Store the photocopy in a safe place for reference in case any or those items are lost or stolen.

Return to Top of Page


How do I protect myself when buying online?

On-Line Merchants May Require You to Activate "Verified By Visa"

If you purchase goods on-line using your BTFCU Visa Card, you may be required to enroll in the Verified by Visa program before you can complete your purchase. The enrollment process, which is done on a secure Visa site, verifies your identity based on information you have provided to the Credit Union. It then requires you to create a password. The password is stored securely on Visa's computer systems (not the merchants'). Each time you make a purchase at a participating merchant's website, you will be asked for the password. No charges can be made without the correct password.

Click here to learn more about (and sign up for) Verified By Visa. BTFCU encourages you to sign up for Verified by Visa as soon as possible to help avoid on-line credit card fraud and to make your on-line purchasing experience easier.

Here is a diagram showing how Verified By Visa Works:

Diagram of how Verified By Visa Works

Click here to register or learn more about Verified By Visa.

Verified by Visa helps prevent unauthorized purchases before they even happen. Protect your existing BTFCU Visa card by creating a personal password as unique as you are. Verified By Visa helps ensure that only you can use your Visa card to buy online at participating online stores. Register today! It takes just a few minutes to activate. Click here to register or for more information.

Return to Top of Page

Some Useful VISA Links

Return to Top of Page

     

Copyright © 1999-2014 Bethlehem Teachers Federal Credit Union.
Last Updated: 7/9/2014 10:46:49 AM Eastern Time