Introducing Visa® Spirit Debit Cards

About Visa® Spirit Debit Cards

With every purchase, Frontier Credit Union will donate a portion of the transaction fee to the participating school of your choice. To take advantage of the Frontier Visa® Spirit Debit Card, stop by your nearest branch or give us a call to get started.

Participation in the Frontier Visa® Spirit Debit Card Program is subject to specific restrictions. This program provides the following features and benefits:

  • No Minimum Balance or Monthly Fees

  • Access to 30,000 Surcharge Free ATMs (FREE ATM Locator)

  • Instant Issue Visa® Debit Card: Customers will receive a Visa® debit card at no cost, issued immediately

  • Access to All of Our Online Services
    Includes Online Banking, Mobile App, eStatements, Bill Pay, Remote Check Deposit, and more

Frontier Visa® Spirit Debit Card Program Terms and Conditions

1. Program Overview

Participation in the Spirit Card Program is subject to specific restrictions, including but not limited to the terms and conditions contained within the agreement(s) with the specified school(s). This program provides the following features and benefits:

-No minimum Balance or Monthly Fees: There are no minimum balance requirements or monthly fees associated with the VISA® Spirit Debit Card.

– Instant Issue Visa® Debit Card: Customers will receive a Visa® debit card at no cost, issued immediately.

– Access to ATMs: Cardholders can access over 30,000 surcharge-free ATMs nationwide at no charge.

– Online Services Access: Free access to all online services is included, which encompasses online banking, a mobile application, electronic statements, bill payment, remote check deposit, and additional convenience features.

2. Program Eligibility

The Spirit Card Program is not applicable to purchases made with the Frontier Credit Union VISA® Credit Card. The Frontier Credit Union School Spirit VISA® Debit Cards may be linked to any Consumer Checking Account or Business Checking Account.

3. Donation and Rewards Program

With each transaction made using the Frontier Credit Union Visa® Spirit Debit Card at participating locations, Frontier Credit Union will contribute a monetary donation to the specified school, consistent with, and subject to the specific agreement with the school.

4. Card Features

– School Branding: Logos for the debit cards are provided by affiliated schools and comply with applicable trademark regulations.

– Mobile Wallet Usability: Not all retailers accept payments through mobile wallets. Please ensure the retailer accepts the specific mobile wallet you intend to use and is also a VISA participant. The image displayed in a digital wallet will not necessarily match the physical card; it will represent the Frontier Credit Union debit card. All mobile wallet transactions are eligible for the card program, provided the cardholder has an active Visa® Spirit Debit Card and the mobile wallet is appropriately linked to the Visa® Spirit Debit Card.

– Carrier Limitations: Availability of mobile wallet features may be influenced by the coverage area of the cardholder’s mobile carrier, and standard data and messaging rates imposed by the mobile carrier may apply.

5. Additional Terms

For further information regarding card-related terms, please visit the following links:

– Debit Loan Payment Service Agreement
– Card Dispute Terms

VISA is a registered trademark of VISA International Service Association and is used under license. Deposit products and services are offered through Frontier Credit Union, which is federally insured by the National Credit Union Administration (NCUA).

By participating in the VISA® Spirit Card Program, you agree to abide by these terms and conditions and acknowledge that additional terms and conditions contained within the agreement(s) between Frontier and participating school(s) may apply.