Bulldog Federal Credit Union - You belong at Bulldog!

Apply | Rates | Contact Us | Make a Loan Payment

 

Account Login select to show

Debit Card

About Your Card

New Cards

  1. Activate your card and set a PIN. Call the number on the sticker from the phone number we have on file for you
  2. You may also activate your card through our Internet Banking
  3. Daily limits are $2500 in purchases + $500 ATM withdrawals
  4. Card limits reset daily at 10:00pm ET
  5. If you have automatic or recurring payments on your debit card, update those merchants with your new card information to ensure continuous service. If either your card number or your expiration date is different

Replacement Cards

  1. You will need to call and activate your card
  2. You can keep your old PIN or set a new one

    3. Activate a new card & choose/change a PIN: 1.800.992.3808
    For any questions, call 301.797.6318 or stop by any branch.

Expiring Cards

  1. Debit cards are valid through the last day of the month listed on the card
  2. Replacement cards are typically mailed about 2 weeks before the end of the expiration month
  3. If you have not received your replacement card at least 3 days before the end of the month, please contact us at 301.797.6318

Instant Issue Cards

  1. Please call to request an instant issue card before 3:30pm on weekdays
  2. If your card has a new number and you had recurring or automatic payments set up on your old debit card, contact those merchants with your new card number and expiration date to ensure continuous service
  3. Instant issue debit cards are not embossed. Embossed cards ship from the card processor and will arrive in 7-10 days

Compromised Cards

  1. If we’re notified that your debit card may have been compromised in a merchant security breach, we’ll mail you a notification and automatically issue a replacement Debit Mastercard®
  2. Your new card should arrive within 7–10 business days
  3. When you receive your new card, activate it and choose a new PIN right away. Your current card will be deactivated on the date listed in your notification letter to help protect your account
  4. If you use your old card for recurring payments or subscriptions, update your payment information with those merchants to avoid service interruptions
  5. Continue to monitor your account for unauthorized transactions. If you notice suspicious activity, call us immediately at 301.797.6318

    6. Visit FAQs. (PDF-new window/tab)

Co-Op ATM Network

Access the nation’s largest credit union-owned, surcharge-free* ATM network with nearly 30,000 ATMs conveniently located where you live, work or travel. The CO-OP network includes ATMs at more than 2000 participating credit unions and popular retail locations nation-wide. Click here to locate CO-OP ATMs.
For ATMs that take deposits, click advanced search and check the option for “Take Deposit”.

Look for the Co-Op ATM logo

  1. APP: Free for iPhone and Android devices. ATMs pop up automatically near you or any address you choose
  2. TEXT: Text a zip code to 91989
  3. PHONE: Call 1.888.748.3266

*While participating credit unions do not charge for using their networked ATMs, you will still be charged a $1.50 foreign ATM fee.

Dispute FAQs

We must receive your signed dispute form and all supporting documentation within 120 calendar days of the transaction date. This is a rule of our card issuer. After we submit your dispute to our card processor, it could take several months for your dispute to be resolved.

Stop by any BDFCU branch to complete a dispute form, or call 301.797.6318 to receive a secure electronic document.

A transaction is non-fraudulent when you provide your card information to a merchant, but you believe there is an error, or you have a concern about the goods or services you purchased. Examples include being charged after you cancel a service, not receiving the items you ordered, or being charged twice for one purchase.

A transaction is fraudulent when you did not authorize a transaction on your account, you did not provide your card information to the merchant, and you did not receive any goods or services from the merchant.

If the dispute is for a fraudulent transaction, we will close your debit card as soon as possible to prevent further fraud. We will issue you a new debit card with a new card number.

If you receive a refund from the merchant for the disputed transaction or your dispute is denied by Mastercard, we may reverse any provisional credit we provided to you.

For ALL non-fraudulent transaction disputes, you must contact the merchant first to see if they can resolve your concern before you can file a dispute. This is a requirement of our card issuer. If you need to file a dispute, we need copies of all documentation you have to support your claim (receipts, emails, tracking numbers, online chat screenshots, etc.).

  • If the merchant is unable to assist you, you can dispute the transaction with us. Be ready to provide copies of all documentation you have.
  • If the merchant offers a refund, they have 30 days to process the refund. You can file a dispute if it has been more than 30 days and you still do not have your refund. Keep any confirmation of the promised refund and be ready to provide a copy to us.
  • If you receive merchandise and would like your money back, you must follow the merchant’s return policy. Once they receive your return, the merchant has 30 calendar days to refund your money. You can file a dispute if it has been more than 30 calendar days since the merchant received your return and you don’t have your refund. Keep a copy of your return package’s tracking number and the address you sent it to and be ready to provide a copy to us.
  • If you used PayPal for a purchase at an online merchant, log into your PayPal account and dispute the transaction with PayPal first. If PayPal is unable to assist you, then contact us to see if your transaction is eligible for dispute with us. Keep any documentation from PayPal and be ready to provide a copy to us.

A transaction is fraudulent if you did not authorize it, you did not provide your card information for it, and you did not receive any goods or services. You are not required to contact the merchant before filing a dispute for a fraudulent transaction; however, it is recommended to contact the merchant because the merchant may be able to refund your money.

Money Transfer services include (but are not limited to) Cash App, Meta Pay (formerly Facebook Pay), Venmo, Zelle, PayPal (when sending money to an individual), and Western Union. When you send money using these services, usually there is no way to recover that money because the transfer happens immediately. Money Transfer services are only responsible for transferring money. They are not responsible for resolving issues between the sender and receiver. You are not able to dispute a Money Transfer transaction if you unknowingly send money to a scammer or you did not receive goods or services you were expecting.

Card Management

Protect your card.

Be empowered
Turn cards on/off anytime, anywhere
Know where your cards are stored online

Experience clarity
Track every transaction with merchant names
View merchant name, location, logo and more

Feel secure
Report lost or stolen cards quickly (you will get a message to contact us for a new card – a new one is not automatically ordered)
Set alerts to receive instant notifications of card activity
See spend details updated in real-time

Within our Online Banking, “Member Debit/Credit Cards” will allow consumers to:
Manage cards on the go with advanced controls and self-service options.
Understand spending clearly with quick spending insights, recurring/card-on-file merchant identification and transactions enriched with clear merchant names, logos, interactive maps and contact information.
Engage in real-time with transaction alerts.
View a digital card on a mobile device and easily push it to Apple Pay® and Google Pay™.

Scheduled/automatic payments may still process while your card is disabled (turned off) depending on the merchant, but they will not process on cards marked as lost/stolen. Pending transactions will still process and post to your account while your card is disabled or marked as lost/stolen.

*There is a $5.00 fee for lost, stolen, damaged or replacement cards.