Flexibility and Protection with Debit Card Limits
At Community Choice Credit Union, your security and ease of access go hand in hand. That’s why we set thoughtful debit card limits — to keep your money safe while still giving you the freedom to spend when and where you
need to. Here’s a quick breakdown of how debit card limits work and how you can easily make changes right in e-Banking when life calls for a little extra spending room.
How your debit card limits work
Your Community Choice debit card comes with daily limits designed to protect your account, especially if your card is ever lost, stolen, or compromised. These limits are already in place, so there’s nothing you need to activate, they’re automatically helping shield your funds.
Here’s what those limits look like, depending on how you use your card:
- $3,000 per day for signature-based (credit) purchases
These happen when you press “credit” at checkout. No PIN is required, though a signature might be. The funds are placed on hold and withdrawn shortly after. - $620 per day for PIN-based (debit/POS/ATM) transactions
These include transactions where you press “debit” and enter your PIN. The funds come out right away and this limit includes ATM withdrawals. - Online and phone purchases (Card Not Present)
These fall under your $3,000 credit limit. They include any time you
order online, by phone, or through the mail — basically, when your card isn’t physically present.
By setting smart, proactive caps for each type of transaction, we help prevent fraud and give you confidence with every swipe, tap, or click.
By setting smart, proactive caps for each type of transaction, we help prevent fraud and give you confidence with every swipe, tap, or click!
Need a higher limit?
You’ve got options.
Sometimes you need more flexibility like when you’re traveling, upgrading your appliances, or booking something special. That’s where your Community Choice digital tools come in.
- You can increase your credit limit up to $5,000 right in e-Banking.
It’s simple, secure, and available anytime — day or night. - For other adjustments, including increasing your PIN-based (debit)
limit, we’re here to help. Just give us a call or stop by. For increases up to $1,000 you can easily adjust this yourself, right inside e-Banking. Most temporary increases last for 24 hours, making them perfect for
one-time purchases or short-term needs.
Quick changes. Safe transactions. The power to manage your money is right at your fingertips.
Why debit card limits matter
Card limits aren’t about limiting your lifestyle; they’re about protecting it. These limits help safeguard your account against fraud, while still giving you the control and flexibility to raise them when needed.
At Community Choice, we’re always working to make your money easier to manage and safer to use. Managing your debit card limits is just one more way we keep your access easy, and your experience secure.
Ready to make a change?
Log in to e-Banking to update your limit anytime or contact us and we’ll take care of the rest.
At Community Choice, we make banking feel like second nature, because that’s how it should be.