2317 Easton Avenue
Bethlehem, PA 18017-5099

Phone 610-691-0041
Fax 610-691-8624
E-mail service@beth1st.org

Convenient Access:

Click here to do your Bethlehem 1st FCU banking on the Internet--including Bill Pay. (Requires registration before using first time.)

Install our 'Touch Banking' Mobile Banking App on your Apple or Android smart phone.

The phone number for Audio Response (Bank-by-Phone) is 1-800-553-0857. Click here for audio response instructions.

Click here to do your VISA card banking on the Internet. (Requires registration before using first time.)

Click here to check on your Visa Card Rewards balance.

Click here to find ATMs that charge no fees to Bethlehem 1st FCU members.

Click here for an online Mortgage Application.

Click here for an online Loan Application.

Click here to see Bethlehem 1st FCU 's Savings Accounts and Savings Rates. Click here to see Bethlehem 1st FCU 's Loans and Loan Rates.

Read more about Visa TravelMoney.

Find out how to join Bethlehem 1st FCU.

CLOSED  Monday, February 20th Presidents' Day

Office Hours:

Monday, Tuesday,
Wednesday, Friday:

9:00 a.m. - 5:00 p.m.
9:00 a.m. - 6:00 p.m.

Closing or delay due to weather? Check WFMZ:

Click here to go to Channel 69's Stormcenter Update webpage.
Click here to go to the Beth 1st FCU Facebook page.
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Your savings are federally insured  to at least $250,000 and backed by the full faith and credit of the United States Government. Click here to learn more about how you are protected by the NCUA.
Serving Members
Since 1935

Visa® Debit Card

Image of a Bethlehem 1st FCU debit card.

The Bethlehem 1st FCU Visa® Debit Card is your key to convenient, 24-hour banking, and freedom from writing checks for purchases. The card is both a Visa Card debit card and an Automated Teller Machine (ATM) card.

You may not receive ATM or debit card receipts for transactions under $15..

Due to a change in federal law, you may no longer receive a printed receipt when you make an ATM withdrawal for less than $15 or use your Visa® Debit Card for purchases under $15.00. The new law allows the merchant or ATM operator to decide whether or not they will provide a printed receipt for transactions under $15. For transactions of $15 or more, federal law still requires that the ATM or merchant provide a printed receipt.

Our automated fraud detection system may telephone you.

Visa® Debit Card Fraud just got harder thanks to Bethlehem 1st Federal Credit Union. BTFCU uses eNFACT, a sophisticated software program that helps you protect your Visa® Debit Card number and any associated accounts from fraud. eNFACT will flag any suspicious transactions or patterns on your card accounts so credit union staff can investigate. You don’t need to do anything unless you are contacted by us. This protection comes at no cost to our debit card holders. Our automated system may telephone you. Click here to read more…

Visa® Debit Card

What is a Visa® Debit Card?

An Visa® Debit Card is a widely-accepted alternative to writing a check. You can use it to pay for purchases at any merchant displaying the Visa® logo that appears on the front of the card. The purchase price will be deducted from your Bethlehem 1st FCU Share Draft (checking) Account.

When would I use my Visa® Debit Card?

There are many situations where writing a check is inconvenient, like when you're in the express line at the grocery store. Visa® Debit Card transactions are approximately five minutes faster than writing a check, since there's no need for check approval or identification.

Where would I use my Visa® Debit Card?

Your Visa® Debit Card can be used wherever a standard Visa® card is accepted--like grocery stores, gas stations, restaurants or retail stores. Use it when placing orders by phone. There are thousands of locations worldwide where your Visa® Debit Card is accepted.

What choices do I have at merchant terminals?

You may need to choose between a "CREDIT" or "DEBIT" button. These buttons determine how the merchant processes the transaction. Choosing the "CREDIT" option allows you to just sign and go If you choose "DEBIT", you will need to input your PIN number. Either way, the transaction amount will be deducted from your Share Draft Account.

Can my Visa® Debit Card be used at ATM machines?

Your Visa® Debit Card may be used to obtain cash at any ATM (Automatic Teller Machine) terminal displaying the Star or PLUS network logo.

  • For a list of 'free' ATMs, click here.
  • To search for Star network ATM's nationwide, click here.

Are there any fees associated with my Visa® Debit Card?

There are no charges when you use the card as a DEBIT or CHECK card, paying for purchases. When using the card as an ATM card, BTFCU allows each member eight transactions per month per card without charge. However, many banks and other ATM locations charge for use of their ATMs. There are some ATMs which do not charge for use. For a list of these 'free' ATMs, click here.

What do I do if my card is lost or stolen?

You can report a lost or stolen card 24 hours a day, 7 days a week by telephone.

  • Visa® Credit Card: 1-800-299-9842
  • Visa® Debit Card: 1-800-472-3272

HINT: To protect yourself in the event of losing important cards you carry in your purse or wallet, it is a good idea to photocopy all of the cards (front and back). Store the photocopy in a safe place for reference in case any or those items are lost or stolen.


Copyright © 1999-2017 Bethlehem 1st Federal Credit Union.
Last Updated: 1/19/2017 11:40:45 AM Eastern Time