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		Frequently Asked Questions About Your First Northern Reloadable Debit Card Is my First Northern Reloadable Debit Card the same as a credit card? No, your card is not a credit card. You can only spend the amount of funds that are loaded onto the card. Is my First Northern Reloadable Debit Card the same as a debit card? Yes and no. Like a debit card, you can spend only the funds available. However, unlike a debit card, a bank account is not associated with the card. How do I activate my card? To activate your card, call (866) 952-5650 and follow the instructions. Where can I use my card? Your card can be used for purchases worldwide where VISA Debit Cards are accepted. Your card can also be used at participating ATMs. What type of purchases can I make with the card? The card can be used for signature purchases anywhere VISA debit cards are accepted. Ask the sales clerk to process your purchase as a credit, or signature based, transaction. Your card can also be used at ATM machines that display the logos that are located on the back of your card. Can I make purchases on the Internet with my card? Yes, you can make purchases on the Internet with your card up to the balance available. How do I know what I have spent or have available? When you receive your card make record the amount of funds originally loaded and deduct each purchase. You can also get your balance anytime by accessing www.fncu.org/reload or by calling (866) 952-5650. What if I have a question or problem such as the card not working, being lost or being stolen? Call the number on the back of your card (866) 952-5650 at any time and follow the recorded instructions. You may also speak with a customer service representative. Will I be assessed a fee for using my card at participating merchants? No, you will not be charged a fee for making a VISA signature purchase. Can I use my card to make a purchase that is larger than the balance on my card? Yes, you can utilize the remaining balance on your card towards a purchase and pay the difference with another form of payment. Please make sure you inform the merchant that you will be doing a split tender.