Card Services

Visa Card

The ARC Visa Card offers up to a $10,000 credit limit and is accepted worldwide, wherever they accept Visa.

  • Use anywhere Visa is accepted
  • No annual fee
  • No minimum finance charge 
  • Account Access to view ARC Visa information

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Call 1-800-528-2273 if your ARC Visa Card was lost or stolen.

Verified By Visa

Get an extra layer of security when you shop online.  In addition to our other ways of preventing, detecting, and resolving fraud, we offer Verified by Visa, a free, simple-to-use service that confirms your identity with an extra password when you make an online transaction.

FAQs Activate Your Card Now

MasterMoney Debit Card

The ARC MasterMoney Debit Card offers convenient access to your ARC checking account.

  • Used to access your ARC Checking account for purchases anywhere that accepts MasterCard.
  • 24/7 access to your ARC accounts at any ATM machine
  • Convenient alternative to writing checks
  • Large network of free ATMs. Click here to find a free ATM near you.
  • FREE Ampre Rewards.  Click here for more information.

Call 1-800-528-2273 if your ARC MasterMoney Debit Card was lost or stolen.

MasterCard SecureCode

MasterCard SecureCode is a private code for your debit card that you can use when you're shopping online. Only you know what your code is – retailers aren't able to see it. So you can trust that your transactions get independent approval every time. 

FAQs Activate Your Card Now

Prepaid Cards

Our prepaid debit cards help you to manage your money because it’s pre-funded. Just load only the amount you want to spend on the card. We even give you an online management tool so you can track your spending just by checking your computer.

ARC Everyday Spend Card - prepaid

Now there’s a way to control your spending, but still enjoy the convenience of a debit card. Simply carry our ARC Everyday Spend Card.

Unlimited reloads let you load more money onto your card as often as you need, simply by going to the online management tool. Then use the card wherever Visa Debit is accepted.

  • A great way to budget your spending
  • Available to any and all members (even minors) – you just need an ARC savings account.
  • Unlimited reloads ($0.50 a reload)
  • ATM and PIN access
  • Avoid checking account overdraft fees

Call ARC at 814-946-0857 during hours of operation to reload your card. (Please note that funds from reloads performed by ARC will be available within a few hours).

Access your Everyday Spend Card

(Please note reloads by cardholders via website will carry a 3-5 day hold before the funds will become available.)

Call 1-877-850-9650 for card transaction history or to report your General Purpose Card lost/stolen.

Gift Cards - prepaid

The perfect, whatever-the-occasion, oh-you’re-so-thoughtful gift idea.

  • Instant issue (for that last-minute gift)
  • Many card designs to choose from
  • Use anywhere Visa debit card is accepted

View your Gift Card Balance

Call 1-866-833-2370 if your Gift Card was lost or stolen.

Protecting Your Card 

Protecting your MasterCard debit card from fraud requires 24/7/365 days a year monitoring. Our fraud detection programs monitor your card transactions for any suspicious activity. If potentially fraudulent transactions are taking place, we'll contact you immediately so that future fraudulent transactions can be avoided.

What we monitor

Your card transactions are monitored for purchases outside your normal purchasing patterns, unusual timeframes and geographical locations, or purchase patterns that are consistent with previously identified fraud trends.

How we contact you

Getting in touch with you quickly is critical to stopping any potential card fraud. With our Card Alert Notification service, you will receive a text message asking you to confirm if a suspicious transactions was authorized by you.

Receiving a text message

  • The text message will arrive with a 5 digit code (33748) and contain our financial institution name, dollar amount of the transaction and merchant name.
  • You will be asked to reply with "Yes" if you authorized the transaction. You will receive a confirming text message and can continue to use your card with confidence.
  • A "No" reply means you have not authorized the transaction. You will receive a confirming text message and you will be contacted immediately by a fraud specialist to protect your account. Please answer this important call.
  • Do not reply to the text message with any personal or confidential card information.
  • If you would like to opt out of receiving these important messages by text, you may reply STOP to indicate this preference.

*Text messages to your mobile device are free, but all other fees on calls and texts are subject to the terms of your voice/data plan with your mobile carrier.

Help us protect you

Keep us up to date with your current mobile and home phone numbers and contact information. Also, if you are traveling in the U.S. or to a foreign country for an extended period of time, contact us prior to your departure and we'll make our monitoring more flexible during your travel or vacation time.

What is EMV?

EMV is a global card payment standard. It is named after its original developers (Europay, MasterCard and Visa). It is currently being used in over 80 countries.

What is a Chip or EMV Card?

A Chip or EMV card is a card with a chip-based technology that features an embedded microchip to provide enhanced security and protection against fraud.

Why Chip Cards?

The new chip on your card provides additional security when used at a chip-enabled terminal. Data stored on the chip is more difficult to counterfeit. No matter how you use your card, every purchase is covered by zero liability protection, so you can use your ARC card with confidence.

How do I use my Chip Card?

Can a Chip Card still be used at locations without a chip-enabled terminal?

Yes, for the foreseeable future your card will be issued with a chip on the front and the familiar magnetic stripe on the back of the card. This will enable the card to be used in magnetic stripe terminals as well as chip-enabled terminals.

Will anything change during online purchases?

No. You will use your Chip Card for online purchases by following the same process you do today.

Will I be required to use my PIN?

Depending on where you shop, you may be prompted to use your PIN when purchasing with your card. When prompted for a PIN, ARC encourages our members to select "signature" or simply tell the clerk you wish to use "credit" and sign for the transaction.

Can I use my Chip Card outside of the U.S.?

Yes. Chip Cards are widely used in international markets and are accepted in more than 80 countries. Having a Chip Card will make it easier for you to make purchases and complete ATM transactions when you travel internationally.

Have additional questions about your Chip Card? Contact Member Service at (814) 946-0857 opt. 3.