**COVID-19 Update to Branch Operations**

The lobby is now open by appointment only. Click HERE for more information.

115 Mecaw Rd., Hampden, ME 04444|(207) 945-6264

Visa Cards

Need money that is flexible to meet your needs? We offer the flexibility of a VISA debit card at your fingertips! Accepted world-wide, the VISA debit card is a convenient and popular alternative to writing a check. This card is an ATM card as well as a debit card. Just remember it is very important to keep track of all your debit card withdrawals on a check register!

Debit Card Application

VISA Check Card Information
We take security very seriously so limits are in place to limit the possibility of fraudulent transactions to a member’s account. However should you need to make a purchase exceeding these limits please call us 207-945-6264 or 1-800-974-4475 to have these limits increased momentarily?
Pin-Based Transactions: In this difficult economy we are doing our best to keep the overall costs in line with the many services that we offer our membership. All members with Visa Debit Cards receive 10 free PIN-Based transactions per month. Any POS (PIN based) transactions over the 10 Free is assessed a $1.00 fee for each additional PIN transaction. To avoid a Debit Card PIN fee, choose the Credit option when you use our debit card.

1.    Why should I choose credit over debit?  One word: security. When you choose credit, your signature gives you all the protection and rights of VISA.
2.    What do I do when the machine asks for my pin?  For most machines, push cancel and it will take you to the credit screen, or ask the cashier to process the transaction as credit.
3.    What about online and automated payments? Listen to all options available. In most cases, you can process your purchase as a credit transaction.
4.    What if I want cash back?  When you want cash back, you will need to use your PIN.
5.    How do I avoid a fee?  Use your PIN only when you want cash back. For all other transactions, choose credit.
6.    What if I use my PIN at an ATM? Changing Seasons FCU does not charge a fee for you to use your card at our ATM machine at the 115 Mecaw Rd, Hampden location.
The choice is yours—-choose credit!

**Please note, that as a Changing Seasons FCU cardholder you have 10 Free ATM withdrawals and 10 Free ATM Inquiries at any ATM not owned by the Credit Union. Any transaction over the 10 free transactions is charged a $1.00 per withdrawal and/or inquiry.**


We also offer VISA Gift Cards and Reloadable  Travel Cards

VISA Gift Cards are “stored value cards” that can be used like a credit card (the purchase amount is deducted from the card balance) at any merchant accepting VISA. Gift cards can be ordered in increments ranging from as low as $10 to up to $1,000.

The VISA Reloadable Cards are a lot like the VISA Gift Cards, but are able to be used like a debit card. They have a PIN number available to use along with all of the conveniences of a debit card.

Click here for more information.

Links to Third Party Sites

You are now leaving Changing Seasons Federal Credit Union ("The Credit Union") website and linking to a website not owned or operated by the Credit Union. Links to other Web Sites/e-mail addresses are provided solely as a convenience to our members and other customers.

The Credit Union has no control over the content of these sites/addresses; and the Credit Union shall have no responsibility or liability relating to any access to such sites or communications between you and such Third Parties.

The Credit Union's privacy disclosures do not apply to linked Third Party websites, and we advise you to consult the privacy disclosures on the linked Third Party website for further information.

The Credit Union's website may also contain links to other websites owned, operated by, or affiliated with the Credit Union ("Affiliated Sites"). Affiliated Sites are also not governed by Credit Union's privacy or other policies; and you are advised to review the privacy disclosures applicable to each Affiliated Site you visit.

Products / Services Offered by Third Parties / Affiliates: Any products or services ("products") which are provided by third parties or any affiliates are not products of the Credit Union. If the purchase of same is facilitated by or through Credit Union financing such is merely a convenience to the borrower(s) and in no way creates any contractual or other relationship between the borrower(s) and the Credit Union with regard to any such products. Any rights, obligations or claims with regard to such products shall be solely and exclusively by and between you and the third party providing such products as may be set forth in any applicable contracts, agreements or otherwise, and the Credit Union shall have no obligations, responsibilities, duties, or liabilities whatsoever regarding same.