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Travel Smart With Your Athens Federal Debit Card
Resources Travel Smart With Your Athens Federal Debit Card

Traveling is often an opportunity for relaxation and escape from our day-to-day lives. However, taking the time to relax doesn't mean leaving your financial and personal information unguarded. Here are a few tips to make sure your Athens Federal Debit Card is protected when traveling.

Tips for Traveling with your Debit Card

  • Let Athens Federal know your plans to avoid your card being locked because of unusual transactions, not typically a part of your normal spending pattern. Contact your branch anytime before your scheduled trip to notify us of your travel dates, destination and states you may travel through during your trip.
  • Be sure we have your updated contact information, including your email address and mobile phone number, so we can verify charges or notify you of suspicious activity.
  • Remember to check your account frequently with online banking or via your Athens Federal Mobile App. It’s also a good idea to sign up for account alerts and SMS Guardian which will notify you when there is an unusual transaction. 
  • If an out-of-town debit card transaction is denied, try conducting the transaction as a "debit" instead of a "credit" and entering your 4-digit PIN. Often, card issuers will impose a PIN-only rule at specific types of businesses in states where fraud is prevalent in an effort to proactively prevent losses. If you do not know your PIN, contact your branch to request a new PIN.

Remember These Card Tips When Traveling or
Using a Foreign (Non-Athens Federal) ATM:

  • Plan to bring at least one credit card and one debit card.
  • Make sure you have a four-digit personal identification number (PIN) for all of your cards, including your credit card. 
  • Cover your password with your hand, so hidden cameras can’t pick up your password.
  • Never rely on the help of strangers to retrieve a confiscated card.
  • Never use an ATM when other people are lingering.
  • Use an ATM with a legitimate card reader. Keep an eye out for unusual card slots and, if necessary, try another ATM.
  • Use ATMs at banks during normal banking hours. If there is a problem, someone at the bank can help you and fees may be lower than “independent” ATMs.
  • Use an ATM under video surveillance which can be safer.
  • Limit your ATM visits.
  • Retrieve your cash and card quickly. Some ATMs pull back cash as soon as 30 seconds.

If You Have Problems With Your Card at an ATM:

  • Try withdrawing a lower amount. The ATM may have a withdrawal limit.
  • Try a different ATM.
  • Try later. Your card’s 24-hour withdrawal maximum may limit you depending on the time zone or the network may be temporarily down.


SMS Guardian

Enroll any AFCB debit card for free SMS Guardian service and you'll receive instant text messages regarding your card when potentially fraudulent transactions are made.

*Message and data rates may apply.