Debit Cards


Choose a Sky FCU debit card for hassle-free buying, use our card instead of checks or carrying cash! Whether you are shopping for clothes, dining out, buying groceries, or running errands, all you need is your debit card. If linked to a checking account you can use the card wherever VISA® is accepted.

How do I activate my card?


You will need to call 1-800-411-6390 (1-206-352-3477 Outside the US and Canada) to activate your debit card. For security reasons, your card cannot be used until you make this call. This service is available to you 24 hours a day, 7 days a week. You will need the following information to complete verification:

For ALL Debit Cards:

Last 4 digits of the cardholder’s Social Security Number
Date of Birth for the cardholder

How do I change my Personal Identification Number (PIN)?


You can customize your PIN number by calling 1-877-746-6746. This service is also available to you 24 hours a day, 7 days a week.

PIN website

What do I do if my card is Lost or Stolen?


Report Lost or Stolen cards immediately by calling us at 1-800-445-3328 or the card lost or stolen service at 1-800-682-6075 (1-206-352-3482 Outside the US and Canada) or by going to the website > This service is available to you 24 hours a day, 7 days a week.


In addition to the Fraud Center monitoring all Sky FCU cardholders are able to signup for smsGuardian™.

For Your Peace of Mind – Text Alert Fraud Prevention

 We’re looking out for you! Sign up for our new smsGuardian™ service and you’ll receive text messages regarding activity on your credit and debit cards. If you receive a text about a transaction that you think is fraudulent, you can reply immediately and your card will be blocked from further criminal activity.

Feeling safer already? Give smsGuardian a try. You can enroll any Sky Federal Credit Union cards in this service. You may choose to receive text alerts on a single cell phone or tablet, or up to ten different devices. Visit our enrollment website at to register your credit/debit cards and mobile devices.

Here’s an example of what the service looks like in action. You might receive a text message similar to this:

Guardian Alert on card 12341 at XYZ Store2 for $500.003. Reply AA1234NO if unauthorized. Reply STOP to cancel alerts.    

  1. This will be the last four digits of your card number
  2. This will be name of the merchant
  3. This will be the purchase amount

If you receive this message and you know the purchase is legitimate, you don’t need to do anything. If you think that it’s fraud, you reply “AA1234NO” and your card will be blocked. You can choose to cancel this service at any time by replying with the message “STOP.”

It’s pretty easy, and very reassuring. Visit our enrollment site today and start enjoying some peace of mind.

A few details –

  • Enrollments will be good for a period of one year. You will be notified prior to expiration of your Guardian account and may text a reply to renew.
  • Changing your mobile service provider may require you to re-enroll your mobile device.
  • The cell phone or mobile device must have the ability to send and receive text messages and the use of “short codes” must not be blocked. Short codes are special telephone numbers, often five digits long, which are used to send text messages from mobile phones.
  • You are responsible for any text messaging fees from your phone or tablet service carrier.

Do I still need an ATM card?


No. Your Sky FCU debit card will act as your ATM card. You simply enter your Personal Identification Number (PIN) into an ATM terminal and you can withdrawal cash from your accounts, anytime, anywhere. Our debit card can be used worldwide wherever VISA® is accepted. Sky FCU is a member of the CO-OP Surcharge free ATM network. This membership gives you access to nearly 30,000 surcharge free ATM machines nationwide. Click HERE to use the CO-OP ATM locator If you only have a savings account linked to your debit card you will have the capability to access ATM’s only. You will not be able to make purchases unless the card is linked to a checking account. ATM withdrawals and purchases will appear on your monthly statement.


Local Surcharge Free ATM terminals:


Drive Up – 777 E Main St
Town Pump – 803 E Main St
Town Pump – 2607 W Main St
Strand Union Bldg – MSU Bozeman
Drive Up – 116 E Park St
Town Pump – 716 E Park St
Town Pump – 2128 W Park St


Drive Up – 95 N Weaver St
Town Pump – 206A W Jefferson St
Town Pump – 691 Jackrabbit Ln
Big Timber
Town Pump – Hwy 10 & I-90
Town Pump – 510 W 1st Ave


Thriftway Super Store – 404 S Broadway St
Three Forks
Thriftway Super Store – 5 N Main St


Four Corners
Town Pump – 29001 Norris Rd
Town Pump – 116 W Main St


Please be aware that surcharge fees are dependent on the institution that owns the ATM terminal. If you are using an ATM at another institution please be sure to read the message on the ATM screen that notifies you of any charges you may receive.


Can I use my debit card for purchases made other than in person?


With our debit card, you won’t have to worry about whether or not a merchant will accept a check. You simply present your card wherever you see the VISA® logo. Your purchases can be made in person, by phone, and even on the internet. Online purchases will be protected by Verified by VISA at participating merchants.

How do I sign up for Verified by VISA?

Click Here

How do I reset my Verified by VISA password?

If you forgot your password you will need to un-enroll and re-enroll.

How do I keep track of my purchases?


Debit card transactions are deducted directly from your account. The merchant’s name, date and the amount of purchase are listed on your monthly account statement. This provides you with an accurate detailed record of how you are spending your money. You can also access all this information via the internet using our Sky@Home online banking access.


Are there fees associated with a debit card?


We do not charge an annual fee for use of the card, unlike many other financial institutions. The only fees* associated with the card pertain to your responsibility in using the card, including:

NSF transactions
Request for a copy of a transaction
Transactions on a foreign network
Card Replacement
*Please refer to the current Cost Recovery Schedule Disclosure



Federally Insured by NCUA