Traditional Debit Card
Debit cards offer a secure, convenient, and instantaneous way to access your funds for everyday purchases and ATM withdrawals.

Because life is hard without one...
Acadia’s unlimited-transaction debit card offers the convenience of a credit card while pulling funds directly from your checking account—so you’re only spending what you have. It supports contactless payments for fast, secure transactions. Enjoy fee-free ATM access at SURF network ATMs. For out-of-network ATMs, Acadia waives its $1 fee twice per month, though fees from the ATM provider may still apply.
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Accepted worldwide
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Unlimited transactions
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No minimum balance
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EMV chip enabled for extra security
I am so proud to be a part of the Acadia family! It is so nice to work with people who care for one another like we do.
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Please call 1-866-886-7252 if you have issues with your debit card outside of Acadia’s regular business hours.
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The first time a credit or debit card is lost or stolen, no replacement fee will be charged. After that one-time “free fee” is used, the card can be replaced and a fee will be assessed.
If the credit or debit card has natural wear and tear and is no longer working, a replacement card can be issued upon member request. In such situations, we will assess the account and decide if fees are justified.
Credit and debit cards replaced due to fraud or theft will be provided at no charge, except in instances of repeated occurrences. In such situations, we will assess the account and decide if fees are justified, plus offer the member suggestions on how to protect their card and account.
There are no fees associated with debit and credit cards issued at renewal dates.
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If your Acadia debit card has been activated and you need to change your PIN, please call 1-(800)-992-3808. If you wish to change your PIN in-person, please visit one of our branches with Instant Issue service. You can find an Instant Issue branch by checking this page and referencing the fine print at the bottom of each branch listing.
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Acadia has a $2,500 per 24 hour limit on purchases using our debit card, however, if you know you are making purchases totaling more than our daily limit, please call your local branch to get manager approval for a specific period of time. You can reach your local branch by clicking here.
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Acadia has a $1,000 in 24 hours limit on ATM withdrawals, however, if you need this limit increased for a specific period of time, please call your local branch to get a manager’s approval. Your local branch can be reached by clicking here.
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Card Fees
VISA® Credit / Visa ® Debit Card Fees
Expedited Card |
Fee Varies |
Copy of Sales Draft |
$5 |
Late Charge (over 30 days) |
$20 |
Copy of Credit Card Statement |
$2 |
Returned Check |
$25 |
Lost/Stolen Card - Reorder Fee (Effective 03/01/2024) |
$10 per card |
Expedited Card |
Fee Varies |
Copy of Sales Draft |
$5 |
Credit Union-Owned & SurF ATMs |
Free |
Point-of-Sale Transactions |
Free |
Non-Propietary ATM Transactions* (Includes withdrawals, transfers, inquiries, and denials) |
2 Free per month; $1 thereafter |
Negative Transactions |
$25 per item |
Lost/Stolen Card - Reorder Fee |
$10 per card |
*Fees may be imposed by the host financial institution/company
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