When you use a debit card, the merchant sends a confirmation to the Credit Union for an authorization. When the approval is given, the balance in your savings account is reduced or "blocked" by the amount of the purchase. This is known as a pre-authorization hold. The merchant determines the amount of the hold, and the hold is registered on your account with a date 3 months later, which represents the maximum amount of time for the merchant to complete the transaction. Typically, the hold stays on your account until the funds are transferred to the merchant a few days later.

Visit any CONNEX ATM to re-pin your card or contact our Member Services Team for assistance.

If your card is lost or stolen, use your mobile banking app to “Freeze Your Card” immediately. During our business hours, you can also contact our e-Services Unit on 440-1755 (Ext. 118, 141, 144 or 114) to assist you with deactivating your card and applying for a replacement card. If the card is lost or stolen during non-business hours, please dial the number on the back of the card for emergency assistance.

Please contact the merchant first to verify the transaction and if necessary, visit our nearest Branch or contact our e-Services Unit on 440-1755 (Ext. 118, 141, 144 or 114).

For ATM withdrawals, the limit on your Communal Visa Debit Card is five (5) transactions or $2,500 per day. For online/merchant purchases, the limit on your Communal Visa Debit Card is ten (10) transactions or $5,000 per day. If you wish to increase your limits temporarily, please contact our Member Services Team on 440-1755 or visit our nearest Branch.

Yes, your card can be used internationally at any ATM or merchant that accepts Visa or Plus cards.

There is no rewards system on your card; however, we are working towards implementing one in the future.

Your Communal Visa Debit Card is monitored 24/7 by our external partner, Caribbean Credit Card Corporation (4Cs) and has the latest security features available with “Chip & Pin” cards.

Your Communal Visa Debit Card does not incur any interest charges as a typical credit card. However, standard fees for ATM withdrawals, online/merchant purchases and the annual fee and replacement card fee are applicable.

We offer mobile and online banking services to allow you access to your transactions and account balance anytime and anywhere.

Members with more than one account can have more than one debit card.

The Communal, through our external partner, 4Cs, provides you with an efficient 24 hour support service that would enable you to call, free of charge, to rectify any problems you may encounter or to report the card lost or stolen, outside of our business hours. This number can be found at the back of your card.

If your card is captured at any ATM, please visit our nearest branch or contact our Member Services Team on 440-1755 for assistance in retrieving your card.

Yes, our card payment processor/network, 4Cs, determines the EC equivalent of your transaction, which allows you to pay for the transaction in a foreign currency.

“3D Secure” is a security feature added to make shopping online with your Communal Visa debit card safer. You will know that a merchant is using 3D Secure whenever you see “Verified by Visa” displayed on their website.

Please review your Cardholder Agreement for the terms and conditions related to conducting online or ecommerce transactions.

To receive One-Time Passcodes, you need to have a valid mobile phone number and/or email address on file at The Communal to update your details to provide issues when performing online or ecommerce transactions, please call our Customer Service team on 440-1755/435-2309 or visit any branch from Monday – Friday.

A One Time Passcode is a four- or six-digit number which is sent to your mobile phone number or email address on file at The Communal which you use to confirm that it is you attempting to complete the online or ecommerce transaction.

A passcode is valid for a set amount of time, generally 10 minutes. If you do not submit the passcode correctly within 10 minutes, it will expire.

“3D Secure” is a security feature added to make shopping online with your Communal Visa debit card safer. You will know that a merchant is using 3D Secure whenever you see “Verified by Visa” displayed on their website.

You should check to see if the last 4 digits of the mobile phone number or part of the email address shown on the 3D Secure Payment Screen are correct, as this will indicate whether your contact details are current within our systems. If not, you should contact our Customer Service team on 440-1755/435-2309 or visit any branch from Monday – Friday.

There are no fees for you to use the 3D Secure Service, however you are responsible for SMS fees charged by your mobile phone provider and for any internet fees you may incur when conducting online or ecommerce transactions.

No, it will be mandatory for all online or ecommerce transactions once the merchant is enrolled for the 3D Secure service and displays the “Verified by Visa” symbol on their website. If the merchant is not enrolled for 3D Secure, then the liability for the transaction shifts to the merchant and they may opt to not allow you to complete the transaction if you are outside of their region.

You may contact our Customer Service team on 440-1755/435-2309 or visit any branch from Monday – Friday.