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Purchasing Power with VISA Credit Cards

Federated Bank VISA credit cards provide you with the purchasing power you need and the convenience you desire.   We offer two personal credit card options so you can choose you one that best fits your specific situation.

Classic VISA Credit Cards 

The Classic VISA Credit Cards feature:

  • Low variable rate set at 3.00% over the Prime with a floor of 11.99% to be competitive and responsive to rate changes
  • No annual fee
  • A low-rate personal line of credit you can control
  • Our friendly personal attention and assistance whenever you have a question or an issue with your account.

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Platinum VISA Credit Cards

The Platinum VISA Credit Cards feature:

  • Low variable rate set at Prime with a floor of 7.99%
  • No annual fee
  • Grace period on purchases
  • Earn Rewards – $1 for every $1 charged
  • A low-rate personal line of credit you can control
  • Our friendly personal attention and assistance whenever you have a question or an issue with your account.

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Current cardholders can click here to check their accounts.

Information About New Chip-Enabled Cards

Federated Bank is now issuing chip-enabled Visa credit and debit cards. These cards, also called chip cards, smart cards, or EMV cards, feature built-in chip technology.  Benefits of these cards include global acceptance and an enhanced level of security.

Q:  Where can I use my chip card?

A:  You can use your card at millions of places that accept Visa credit or debit cards, both locally and internationally.  You can also use it at ATM locations just as you do now.

Q:  How do I use my chip card at a chip-enabled terminal?

A:  Instead of swiping your card, you will insert it face up, chip-end in to the chip-enabled terminal.  You will leave your card in the terminal for the entire transaction and follow the screen prompts.  This new process is known as dipping instead of swiping.

Q:  Can I still swipe my card to pay?

A:  Yes. If a merchant is not yet equipped with chip-enabled technology, you can continue to swipe your card.  Keep in mind, you may need to sign for your purchase.

Q:  Can I use my card at an ATM?

A:  Yes. For ATM transactions, insert your card into the terminal and follow the instructions on the screen.  Depending on the type of ATM, you might be prompted to re-insert your card.  Leave the card in the ATM until the transaction is complete and the card is released; then remove your card and any money you might have withdrawn.

Q:  Can I still use my card to pay for purchases online or over the phone?

A:  Yes. Chip cards can be used just as you use your current cards for these types of purchases.

Q:  How does chip technology protect my information?

A:  Whenever you use your card at a chip-enabled terminal, the embedded chip generates a one-time use code. This code is virtually impossible to counterfeit and helps reduce in-store fraud.

Q:  What if I have more questions about chip cards?

A:  If you have more questions, stop by your local branch and we will be happy to talk with you.