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Yes, you can request a standard issued card to replace your custom card for free by visiting your Member Service Center or by calling during regular business hours.
Yes. Transfer money quickly and conveniently with AltaOne’s People Pay service, available in the Transactions section of our Online Banking site.
A monthly fee is assessed to your Gift Card of $2.95 if a balance remains after 6 months from the date of purchase. The fee is billed beginning the 7th month. Please reference your terms and conditions for the associated fees.
Wire transfer funds are not guaranteed or protected.
Yes, you can apply online for the many consumer loans and real estate loans offered at AltaOne. After submitting your application online, you will receive an application number. Be sure to write down this information to use when contacting AltaOne regarding your application.

You can change your AltaOne Online Banking password by logging into Online Banking and clicking on "Setting" and then "Security Preferences."

Yes, you can change the image on your card as often as you like. There will be a $9.95 fee charged to the account associated with the card being customized.
Currently, you can only deposit payments into U.S. bank accounts.
Yes. You can easily download a file and import it to Quicken from AltaOne Online Banking. Using Express Web Connect for Windows makes it even easier to keep your transaction history up-to-date.

AltaOne is investing in new state-of-the-art technology to provide you with better service and enhanced features.  As part of this upgrade, you will need to perform a deactivation and reactivation process in Quickbooks on or after Wednesday, October 12, 2016. To view the instructions for Windows users click here. To view the instructions for MAC users click here.

Yes, each cardholder can have the image of their choice on their card.
Yes, wire transfers can be sent in the currency of your choice.
Yes, all cards within an account automatically earn points together. In addition, if you have multiple credit cards with AltaOne Federal Credit Union, you can link them together to earn rewards faster. Visit the "Profile" page to link more accounts to your program.
Yes, you may use your Gift Card at any merchant that accepts Visa. However, it is common for service-oriented merchants to automatically factor in an additional percentage (often times, up to 20% over the purchase price) to cover any tip or incidental charges you may leave on the card. To prevent a decline, we advise you to check with the company to determine their policy for over-authorizing.
No. You can add multiple bank accounts to your profile at Popmoney.com. For each payment you receive, you can choose which account should receive the money.
If you attempt to make a purchase with your Visa debit card and do not have enough money in your checking account to cover the purchase, it will overdraft to your savings account or to your Visa credit card line of credit. Once the overdraft sources are exhausted then Courtesy Pay may be activated.
The current market conditions are used to determine the exchange rate. Rates are subject to change at any time, and several factors affect the market rate. These include political or economic policy changes or stability of a foreign country, and the liquidity of the currency.
Gift Cards are disposable one-time use cards. Therefore, the card cannot accept additional funds.
You can update their Visa Credit Card PIN through an AltaOne ATM or by calling AltaOne's dedicated Credit Card Services Call Center at 1(877) 968-2535.
You can complete a cash advance at any AltaOne Member Service Center or withdraw cash from an AltaOne Visa Credit Card at any ATM or any Bank that accepts Visa.
You may make their AltaOne Visa Credit Card Payment through AltaOne Online Banking, an AltaOne's Member Service Center, AltaOne's dedicated Card Services Call Center at 1(877) 968-2535, or mailing payments to AltaOne's payment processing center at the following address:
P.O. BOX 2711
OMAHA, NE 68103-2711 
You may request a copy of your AltaOne Visa Credit Card Statement through our dedicated Credit Card Services Call Center at 1(877) 968-2335 or through Online Account Management accessible through AltaOne Online Banking.
You can set up automatic payments through Online Account Management accessible through AltaOne Online Banking, or by contacting AltaOne's dedicated Credit Card Call Center at 1(877) 968-2335.
If you represent a school within the AltaOne field of membership and would like to have your school considered for our Spirit Card program, please Contact Us for additional information.
You may come into an AltaOne Member Service Center or contact the AltaOne Call Center at 1(800) 433-9727 or (760) 371-7000.
You may come into an AltaOne Member Service Center or contact the AltaOne Call Center at 1(800) 433-9727 or (760) 371-7000.
You can call AltaOne's dedicated Credit Card Services Call Center at 1(877) 968-2535 to authorize transactions.
You can call AltaOne's dedicated Credit Card Services Call Center at 1(877) 968-2535.
You earn 1 point for every $1 purchased through your Platinum Rewards card. Earn even more points when you shop at participating retailers. Choose to shop in-store at national or local retailers or online through www.uchooserewards.com. When shopping in-store, select credit and sign for your purchases.
You may obtain your current balance or a list of all your transactions through
www.myprepaidbalance.com, or by calling the customer service phone number on the back of your card. In order to receive your transaction history online, you must first register your card. Please note, the website will only display completed transactions.

Go to altaone.org and click the "Sign Up" button in the AltaOne Online Banking login box. Questions? Please call Member Services at (760) 371-7000, or toll-free (800) 433-9727, Monday-Friday, 7:00AM-7:00PM, or Saturday 9:00AM-2:00PM, or visit your nearest Member Service Center.
You may come into an AltaOne Member Service Center or contact the AltaOne Call Center at 1(800) 433-9727 or (760) 371-7000.
You can call AltaOne's dedicated Credit Card Services Call Center at 1(877) 968-2535 or come into one of AltaOne's Member Service Centers.
You can call AltaOne's dedicated Credit Card Services Call Center at 1(877) 968-2535.
At the point-of-sale, use your Gift Card as a signature based transaction. Please select the “credit” option. If you select “debit”, the terminal will prompt you for a PIN, which is not available with the gift card.
International Funds Transfers will be delivered in 2 business days, with the exception transfers to Canada and Mexico which will be delivered in 1 business day.
There is no limit to the number of transfers from your checking account. However, federal regulations allow only six transfers each month via AltaOne Online Banking, VoiceOne, or overdraft for each of your various savings accounts.
Reserve Requirements of Depository Institutions (REG. D.)

It is totally your choice. You can choose from millions of options -- products, travel experiences, activities, event tickets or more. Simply visit the "Redeem Points" page and click on the category that suits your interests. We keep track of all the points you earn and will help you find just what you are seeking when you are ready to redeem. We even have a "Wish List" that will help you track when you have earned enough to redeem a specific item.
There is no cost. Membership in UChoose Rewards is absolutely free for AltaOne Platinum Rewards card holders, so start shopping and earning today.
You will receive a payment notification on behalf of the sender either by email or a text message depending on the method chosen by the sender.

Mobile number: you will receive a text message on the sender's behalf with instructions on how to direct the payment into your account. If you don't act in 3 days, you will receive a text message reminding you to act on the payment notification. Standard Message and Data rates may apply.

Bank account information (routing and account number): the money will be directly deposited into your bank account. The sender may choose to notify you by sending you an email.
It is free to get a replacement card with the same image as the one that was stolen. However, if you are requesting a replacement card with a different image the cost is $9.95. If your card is lost or damaged, the standard replacement fee will apply. Please check our schedule of fees and charges for the current fee.
Confirmation is not sent when the wire is received, however wire transfers can be traced for a fee.
The exchange rate is locked in for 24 hours following the processing of the wire. This way, even if the wire is requested after the cutoff time for sending the wire, the exchange rate will remain the same when the wire is sent the next day.
Yes. People Pay was created with your financial security in mind. People Pay is built on the industry's leading online money movement platform and utilizes superior risk management and fraud protection services. This same online money movement platform is used by hundreds of financial institutions, including the majority of the nation's top banks. For details, see our Security information.
Yes. Unlike the reloadable VISA card, you may not put funds on the card at a later date, nor can you add funds to it. The Gift Card is purchased as a one-time option.  Once those funds are used up the card is no longer of any use. 
AltaOne has partnered with a payment processing company to expedite mailed visa payments.  Visa payments can be mailed to the following address:

P.O. BOX 2711
OMAHA, NE 68103-2711 
Please refer to our schedule of fees and charges.
Click here for a printable incoming wire transfer form.

If you notice transactions on your account that you have not made, contact customer service immediately by calling the phone number provided on the back of your card. They will follow normal dispute processes to investigate the fraudulent transactions.
Each card per account is $9.95 and will be charged to the account associated with the card being customized. When your card is due to automatically renew, there will be no additional charge and your card will be printed with your customized image.
You can click on the Forgot your password? Link on the Login page. 
A couple different scenarios may have caused this.
  1. The merchant selected 'debit' instead of 'credit' to run the transaction.
  2. The merchant selected 'gift' instead of 'credit' to run the transaction.
  3. The merchant attempted to process the purchase for a greater amount than what is available on the card. If this happens, you should ask the merchant to run a “split-tender” transaction, which will allow you to pay a portion of your purchase with your card and the remaining balance with another form of payment.
  4. You are attempting to make a purchase online and have not registered your Gift Card yet.
If you have other questions not answered here, you can contact your UChoose Specialist at 800-433-9727 or by email at service@uchooserewards.com. You can also chat with a UChoose Specialist by logging into your UChoose profile and selecting the chat option at the bottom of the page.
It can take up to 30 days for transactions to appear on the "Point Details" page. If points from a qualified transaction do not appear after 30 days, contact us for assistance.
If your card has been lost or stolen, contact customer service by calling the phone number provided on the back of your card. We recommend that you keep the phone number in a safe place for future reference. You will be able to speak to a live agent and obtain a replacement card. There will be a $5.00 fee assessed to your card balance to replace your card.
It is an AltaOne Visa debit card that you customize by choosing the image or photo that appears on your card.

People Pay is an innovative payment service offered by leading financial institutions that eliminates the hassles of checks and cash. Now, sending and receiving money is as easy as emailing and texting. Best of all, you don't need a new account to send or receive money. Just log in to your AltaOne Online Banking account to start using People Pay.
A credit purchase (signature-based transaction) will allow only the total amount of the purchase to be posted to your checking account and requires a signature. A debit purchase (Personal Identification Number (PIN)-based transaction) will allow the total amount of the purchase as well as any cash back to be posted to your checking account immediately. Both debit and credit transactions will be deducted exclusively from your checking account.

There is no minimum age to purchase a Gift Card.
UChoose Rewards is a rewards program where you earn points for shopping using your AltaOne Platinum Rewards Credit Card. You can also redeem your points for anything of your choice from a huge online rewards catalog.
You can direct your payment to a checking, savings, or money market account.
It can take up to 40 days to credit your points to your account. You must accumulate 1,500 points before you can redeem your points. After that, you can redeem for any number of amazing items. Simply look for your “Total Points” at the top of any page when you are logged in to the UChoose Rewards website to see how many points you have available for redemption.
AltaOne Online Banking operates in "real time". That means your transactions will post immediately to your account. When transacting on an account that processes through a third party vendor please expect a slight delay as the vendor updates their records.

Your funds should be available in your account within three business days from the date that you provide your account information. You will receive a confirmation email with the date the funds will be in your account. Please check your bank's policy on funds availability.
You earn points everywhere your card is accepted.
Your card may be used anywhere Visa debit cards are accepted. The brand marks on your card indicate where the card is accepted. Merchants typically display the logos in their storefront. Your card can also be used for online and telephone purchases.
You can access the history of your point activity on the Point Details page.
Go to the Custom Visa Debit Card page and follow the instructions and screen prompts provided.
Some merchants like hotels, gas stations, and rental car agencies will place a hold on funds above the amount of the charge when you use your Visa debit card.  To avoid this be sure to use the "credit" side of your debit card.