Use your free Sky FCU debit card for all of your purchases. Plus, this same card is used to qualify for Kasasa® rewards.

  • Free Visa® debit card accepted around the globe and online
  • Use your debit card to qualify for rewards with your free Kasasa checking accounts
  • Safer than carrying cash
  • No carrying a bulky checkbook
  • Instant Issue Debit Cards may be available
  • Access to funds via ATMs
  • Nationwide surcharge-free ATMs, via the CO-OP network
  • More than 12 million locations worldwide; wherever Visa debit cards are accepted
  • 24-hour access to your money, 7 days a week, 365 days a year

Please contact us when traveling outside of MT for debit/credit card usage. You can send notice of travel via Card Services in our mobile app or by emailing [email protected] or calling (800) 445-3328. 

Debit Card FAQ

How do I activate my card?

You will need to call 1-800-290-7893 (1-206-624-7998 International) 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 1-800-290-7893. This service is also available to you 24 hours a day, 7 days a week. 

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 1-888-297-3416. This service is available to you 24 hours a day, 7 days a week.

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. Go to 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 116 E Park Street
Town Pump 716 E Park Street
Town Pump 2128 W Park Street


Drive Up 777 E Main Street
Bozeman Walmart 1500 N 7th Avenue
Town Pump 803 E Main Street
Town Pump 2607 W Main Street
MSU Bozeman Strand Union Building 28 N Bozeman Avenue


Drive Up 95 N Weaver
Town Pump 206A W Jefferson Street
Town Pump 691 Jackrabbit Lane

Big Timber

Drive Up 233 McLeod Street
Town Pump 20A Big Timber Loop Road
Town Pump 510 W 1st Avenue


Thiftway Super Store 404 S Broadway Street

Three Forks

Thriftway Super Store 5 N Main Street

Four Corners

Town Pump 29001 Norris Road


Town Pump 116 W Main Street

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 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 [email protected] 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.

EMV Information

Credit, debit, and ATM cards with embedded EMV® chips have been protecting consumers around the world from fraudsters for a number of years. Now they’re becoming the new standard for security here at home, as well. Sky FCU has now replaced all existing credit and debit cards with this technology.

When you receive an EMV-enabled card, here’s what you need to know:

  • EMV transactions provide another layer of fraud protection, on top of all the security measures already in force.
  • Your new cards will include both the EMV chip and the conventional magnetic strip, enabling your cards to work at all merchants that accept cards.
  • It’s as easy as 1, 2, 3 to use your card at an EMV-equipped merchant, simply:
    1. Insert the chip end of your card in the EMV terminal.
    2. Keep the card in the terminal, follow the prompts and enter your PIN or select CREDIT.
    3. Remove your card, take your receipt – and possibly sign a copy if you selected CREDIT.
  • If you travel abroad, carrying your new card will let you make transactions easily at thousands of merchants where EMV is required. 

Frequently Asked Questions

What is an EMV chip-enabled card?

Your new card contains an embedded EMV microchip. This chip holds information that is encrypted, making it extremely difficult for the card to be copied or counterfeited. Rather than swiping your card, you will insert your chip card into an EMV-compatible terminal to complete a transaction. In addition to the embedded microchip, your card still has a magnetic strip on the back. This ensures you will still be able to make purchases by swiping your card at merchants who have not yet switched to chip-enabled terminals.

Why are we moving to this type of card? 

EMV chip-enabled cards have been the standard in Europe and many other countries around the world and are becoming a new standard in the United States. The chip technology provides enhanced fraud protection, as the card is now nearly impossible to duplicate. It also offers global acceptance, making it easier on those who frequently travel internationally to continue using their regular cards for payments.

Does this change the process of using my card? 

Yes. Instead of swiping your card or handing it to a merchant, when making a transaction at a new EMV-compatible terminal, you’ll need to insert the card in the terminal and leave it there until the transaction is complete. If you remove the card too soon, the transaction will end and your purchase will not be processed. Here’s how it works:

  1. Insert the chip portion of the card into the terminal with the chip facing up.
  2. Follow the prompts on the terminal screen.
  3. The terminal will display the purchase amount.
  4. When your transaction is complete, you will be prompted to remove your card.

Where can I use a chip-enabled card?

You can use your chip-enabled card anywhere you would use your existing card. However, now there are two ways to use it — swiping as usual, or inserting into one of the new EMV readers.

Can I still use my chip-enabled card if the merchant’s terminal is not enabled?

Yes. If a merchant is not yet chip-enabled, simply continue to swipe your card. Then enter your PIN. Or select CREDIT and sign for your purchase (if necessary).

Will my PIN change? 

Yes. Along with your new card number, you will receive a new PIN number. 

Will the process of paying with a chip-enabled card at a restaurant or bar change?

Yes. If the restaurant or bar accepts EMV-chip cards, they will bring a portable card reader to the table to allow you to complete the payment process outlined above. This helps to protect card information from being stolen, as your card no longer leaves your sight as it did before. Remember, if a chip terminal is not available, you will still be able to make purchases by swiping your card and signing the receipt.

Can I use my chip-enabled debit card at the ATM?

Yes. You can still use your card to get cash, check your balance and more. If the ATM is EMV enabled, simply insert the chip end of your card with the chip facing up. Your card will remain in the ATM until your transaction is complete.

How does chip technology protect my information? 

Every time you use your card at a chip-enabled terminal, the embedded chip generates a unique transaction code. This prevents stolen data from being fraudulently used.

Are chip cards new? 

Although chip cards are relatively new in the U.S., they have been used in other countries for many years. In some countries, particularly in Europe, chip cards are the standard.

What should I do with my existing card?

Once you have activated your new card, please cut up and destroy your existing card.

Falcon Fraud Manager

Falcon Fraud Manager provides world-class capabilities to prevent, detect, and resolve financial fraud across any payment method, including debit and credit cards. The Falcon Fraud Manager program for Debit and Credit brings a more holistic approach to fraud protection by better understanding customers' financial behavior.   

Frequently Asked Questions

Will the Falcon Fraud Manager know the difference between credit or debit cards?

Yes, it does and the audio, email, and text message state debit or credit.

Will there be a waiting period between pressing to confirm fraud and when I am connected with a fraud analyst?

No. Once you have confirmed fraud via email, text, or voice, the Falcon Fraud Manager will automatically call you and connect you to a fraud analyst. If it is a voice call, the cardholder will be immediately connected to a fraud analyst upon confirmation of fraud, during the hours of 8am-9pm. If you confirm fraud after hours you will not be called until 8am.

What time frame is involved in the call window? Does it consider various time zones?

The time zones are based on each cardholder address on file. Text is 7am – 9pm, voice is 8am – 9pm, and email is 24x7.

After sending an email and text to me, how long will the system wait before sending a voice call?

5 minutes.


What if there are multiple transactions listed in the email and some are fraud and some are legitimate? How do I separate the transactions?

You need to select the appropriate link to confirm fraud and you will be contacted by Falcon Fraud Manager, which will connect you to a fraud analyst to go through the transactions and confirm which are fraudulent.

If I accidentally click the link in the email confirming not fraud, but meant to confirm it was fraud, am I able to go back to the email and click the correct link? 

No, once you confirm not fraud it closes the case.  You will need to contact Card Services to block the card and complete the appropriate forms.

When the voice message is left, if I have multiple phone numbers will there be a message left on each phone?

Yes, for all the phone numbers we have on file.

Text Messages

What happens if the cell phone autocorrects or changes a reply?

It will be considered an invalid response and the Falcon Fraud Manager will continue with the contact strategy. You will get the HELP message text back stating to please call 800-237-8990 for additional assistance. 

If I reply “STOP” to opt out, can I opt back in?

Yes. You will get a voice call from the Falcon Fraud Manager that will give you the option to opt back in for text messages as long as you confirmed No Fraud.

What happens if I don’t respond to the text message for several hours?

The case remains open for 30 days, so you have 30 days to respond to text messages.

Can I add a “do not disturb window” as can be done with smsGuardian?

No, you can only opt out, or back in. Text messages are sent from 7am – 9pm your local time.

Is there a confirmation sent to me when I text “STOP” to cancel the text alerts?

Yes, you will get a text that says: Free Msg from Fraud Center: Per your request you will no longer receive Fraud text alerts from this service.

Traveling Members

Country blocks and restrictions placed on credit and debit cards are becoming more and more of an unfortunate reality within all financial institutions. This is due to the rising volume of fraud that is occurring in particular countries, states, cities, or particular types of merchants; all of which we monitor constantly to protect you. Unfortunately, sometimes these blocks can interfere with your travel plans. If you know you are planning a trip, please contact us when traveling outside of Montana by completing a Traveling Member form in order to minimize the chances of your cards being blocked or flagged for unusual activity.  Please allow 1-2 business days for requests to be processed prior to traveling.

You can submit notice of travel via the form located below or the Card Services option in our Sky FCU Mobile Banking App.  For questions email [email protected] or call us at (800) 445.3328.


Traveling Member Form