Imagine getting through life without ever having to dig for change or write a check. It doesn’t have to be a dream. Use your free CFSB Discover® debit card (now with enhanced features!) for all of your purchases, at home or abroad. It’s safer than carrying cash and is accepted more widely than checks. You can also use it to make withdrawals from ATMs everywhere. It can even be your gateway to earning rewards with a free Kasasa® checking account! 

We did it to benefit YOU, our cardholders. We are creating Value with added security, additional benefits, and superb client service that only Discover Debit can offer.

  • Free Discover® debit card included with any CFSB checking account
  • Use funds from your checking account without having to write a check
  • Make purchases with one, easy swipe
  • Welcome at places that won't accept checks
  • Faster, easier and more secure than writing checks
  • Access to cash throughout the U.S. and around the world
  • Joint account holders may each receive a card (no need to share one checkbook)
  • Make withdrawals, transfers, inquiries, and deposits (where allowed) at ATMs
  • Save on the cost of ordering checks
  • Avoid carrying large amounts of money
  • Better way to track your purchases
  • Each transaction appears on your monthly statement
  • Easily replaced if lost or stolen 

Our new Discover debit cards also include these benefits:

  • Zero Liability
  • Lowest Purchase Price Guarantee
  • Identity Theft Defense1
  • Card and Document Registration Services

The quickest way(s) to activate your new CFSB debit card are:

  • Via Online Banking under the “Options” tab
  • Using our CFSB mobile app under the “Manage Debit Cards” option
  • At any CFSB ATM
  • You can always call 1-844-807-0500 to activate your card at any time

Please note that your new PIN # will be mailed to you separately. 

1-Not available to NY state residents
Discover® and the Discover Acceptance Mark are service marks used by CFSB under license from Discover Financial Services.


What is happening with CFSB's debit card program?

We are working with Discover to enhance our debit card program. We are replacing your current debit card with the new CFSB chip-enabled Discover debit card.

Why did CFSB decide to make this change?

We did it to benefit you, our cardholders. Today’s financial industry is highly competitive, and we wanted an opportunity to provide you with a card that gives you the control you want, the security you need and the convenience you deserve.

What did CFSB take into consideration when looking for a new debit provider?

We looked first for a partner with a strong brand, broad merchant acceptance and valuable debit card features to benefit you.

Will all cardholders on my account receive a new card?

Yes. All cardholders on your account will receive a new CFSB chip-enabled Discover debit card.

Will I get a new card number?

Yes. You will have a new card number and expiration date. Please contact any companies that bill your card automatically to update your information.

What if I do not activate my new card?

Your old card will automatically be deactivated January 23rd, 2018. If you have any questions, please call 1-844-807-0500. We recommend you activate your new card and begin using it immediately.

Will I have the option to keep my current Visa® debit card?

No. Your CFSB Visa debit card will automatically be deactivated on January 23rd, 2018.

When can I expect my new PIN?

Your PIN will arrive in the mail two days after your card.

How do I activate my new CFSB Discover debit card?

The quickest way(s) to activate your new CFSB debit card are:

  • Via Online Banking under the “Options” tab
  • Using our CFSB mobile app under the “Manage Debit Cards” option
  • At any CFSB ATM
  • You can always call 1-844-807-0500 to activate your card at any time

Please note that your new PIN # will be mailed to you separately.

Is Discover Debit accepted at a significant number of merchants?

You can use your card at more than 10 million U.S. merchant locations. If you encounter a merchant that does not accept Discover, we encourage you to call us at 1-844-807-0500 to let us know.

If I travel internationally can I still use my card?

Yes. Discover provides a broad global card acceptance network, operating in more than 185 countries and territories. Your CFSB chip-enabled Discover debit card will be accepted at more than 1.6 million ATMs and at more than 33.6 million merchant locations worldwide.

What security measures does Discover Debit offer?

Discover employs sophisticated security systems that monitor for suspicious transactions and help us minimize fraud. In addition, your new card features the latest chip technology, which increases security and reduces fraud resulting from counterfeit, lost and stolen cards. Like today, you will not be responsible for unauthorized use of your card.

What is a chip card?

A chip card uses an embedded microchip to protect stored data. The chip helps protect against fraud when used at chip-enabled terminals at retailers or ATMs. It will validate your card by creating unique transaction data every time you use it. Chip cards also are known as EMV cards.

What does EMV stand for?

It is an abbreviation of Europay, MasterCard and Visa, which have worked closely with Discover and others in the payments industry to spearhead this payments standard.

Are there other benefits to chip cards?

Convenience while cardholders travel is one additional benefit. Many other countries already have adopted the chip card standard, so cardholders can use their new card when they travel and it will work seamlessly with international payments systems.

Will chip cards work in older terminals and ATMs?

Yes. For the foreseeable future, chip cards will continue to feature a magnetic stripe so they work on older payment terminals and ATMs.

Is there a difference in how I use a chip card?

Yes, you will insert or “dip” the chip card into the reader. The card stays in the terminal during the transaction, similar to the way some ATMs work today. If you swipe a chip card’s magnetic stripe on a terminal activated to read chip cards, the terminal may require you to insert the card into the chip reader. You will also need to remember to remove your card when the transaction is complete. Online purchases are conducted by using your chip card in the same way you use your card today. For more information on chip cards, please view our chip card video at

Isn’t it expensive to replace all our cards?

Investing in new technologies is one of the ways we continue to offer our customers competitive products and services. In this case, we believe upgrading to chip technology is well worth the expense to provide you with a more secure debit card.

Are there additional fees associated with the chip debit card?

No additional cardholder fees apply to the new chip card.

Will there be a CFSB Discover debit card for my business?

Yes. Call 1-844-807-0500 for more information.

Guardian Text Message Alerts

Anti-Fraud Text Alert Service for ATM/Debit Card Transactions

In a society that is increasingly reliant on mobile technology, you are accustomed to managing and organizing your life using mobile devices. Now you can have greater control over deterring ATM and debit card fraud. smsGuardian alerts CFSB customers of suspicious account activity via SMS text message so you can take immediate action.

Features include:

  • Sends alerts about suspicious card activity directly to you, the cardholder, via text message.
  • Supports all major mobile phone carriers.
  • Notifies you, the cardholder, prior to expiration so you can respond to a renewal text in order to extend your enrollment.
  • Allows you, the cardholder, to enroll up to 10 mobile numbers per card number.
  • Provides convenient and accessible card enrollment and account management features.

Transactions you may receive alerts for:

  • International transactions
  • Monitoring of transaction amounts
  • Monitoring of transactions in a 24 hour time period (2:30-2:30 Processing Times)
  • Card Not Present
  • Out of Home State
  • Declined Transactions