Debit Card FAQ - Laboratories Credit Union

How can i order a debit card?

To order new debit card, contact us on (02) 9859 0585.

If this is a lost or stolen card replacement, you can follow the steps in “Can I report a lost or stolen card?”

How to activate my Visa card?

You can activate your visa card in Internet Banking and Mobile Banking App 24/7.

To activate your new card within the Internet Banking:

Select ‘Settings’
Select ‘Manage Cards’
Select the card (if you have multiple cards, ensure you select the correct card from the list)
Select ‘Activate’

To activate your new card within the Mobile Banking App:

Select ‘Cards’
Select the card (if you have multiple cards, swipe to select the card you wish to activate)
Select ‘Activate’

Please allow up to 30 minutes for the activation to be processed and confirmed in the app. If this option is not available, it means the card is active and ready to use.

How do I change my PIN?

You can change your PIN in Internet Banking and Mobile Banking App 24/7.

Internet Banking:

Select ‘Settings’
Select ‘Manage Cards’
Select the card (if you have multiple cards, ensure you select the correct card from the list)
Select “What would you like to do?” select “Change PIN”
Enter in your new PIN
Confirm using the “GET SMS” and enter the code sent to your registered mobile number.

Mobile Banking App

Select ‘Cards’
Select ‘Change PIN’
Enter your new PIN
Confirm using ‘GET SMS’ and enter the code sent to your registered mobile number.

Please note:

You may have to wait up to 30 minutes after activating a new card for the ‘Change PIN’ option to appear

Can I lock/unlock my card?

You can temporarily lock your card if misplaced and if you locate your misplaced card, you can unlock it using the same steps, once you have confirmed it is secure to do so:

Internet Banking

Select ‘Settings’
Select ‘Manage Cards’
Select the card (if you have multiple cards, ensure you select the correct card from the list)
Select “What would you like to do?” select “Lock Card”
Confirm you would like to do this

Mobile Banking App

Select ‘Cards’ (If you have multiple cards, swipe left or right to the card you want to lock)
Use the slider next to the words ‘Lock card’
Select ‘Confirm’

Can I report a lost or stolen card?

Yes.

Internet Banking

Select ‘Settings’
Select ‘Manage Cards’
Select the card (if you have multiple cards, ensure you select the correct card from the list)
Select 'What would you like to do?' and choose 'Report Card as Lost or Stolen'
Choose the relevant option (damage, lost, or stolen)
Confirm your mailing address
Your replacement card will be posted to your registered mailing address, once received, follow the instructions in “How do I activate my card?”.

Mobile Banking App

Select ‘Cards’
Select ‘Need help with your card?’
Choose the relevant option (damage, lost, or stolen)
Confirm your mailing address

Your replacement card will be posted to your registered mailing address, once received, follow the instructions in “How do I activate my card?”.

Ensure your contact details are up to date to avoid delays.

Please note:

Once confirmed, your card will be permanently cancelled and cannot be reversed. If you are unsure about cancelling your card or believe it may be temporarily misplaced, you have the option to lock the card until you are sure that you need to cancel it.
You may have to wait up to 30 minutes after activating a new card for the ‘Change PIN’ option to appear. If you are unable to select your own PIN, please contact LCU for assistance.

How can I cancel my card?

You can cancel your card by contacting us on (02) 9859 0585 or follow the steps in “Can I report a lost or stolen card?”

What is the Visa PayWave daily Limit?

The daily limit for PayWave transaction is $500 or 20 transactions per day.

For transactions over $100, you may need to provide your PIN or insert your card instead.

If you have reached the $500 limit, you are able to keep using your card, as long as you insert your card and enter the PIN.

How much can I withdraw from an ATM?

The standard daily debit card limit is $1000 AUD. When using ATMs outside of Australia, other limits may apply.

How to cancel a recurring payment?

If you'd like to stop a recurring payment made using your Visa Debit Card, unfortunately we are unable to cancel these payments on your behalf. We recommend reviewing our Regular Payments FAQ for more information about managing recurring payments.

In most cases, recurring card payments can be cancelled by contacting the merchant directly and requesting that they stop the payments. Alternatively, you may choose to request a replacement card.

Please note that fees may apply for the early replacement of a Visa Debit Card. For details of applicable fees and charges, please refer to the Fees and Charges section of our Disclosure Documents page.

How do I dispute a transaction?

Is there a transaction on your debit card that you don't recognise? Some merchants use trading names that are different from their business, company, or brand names.

You can search online for the merchant name shown on your statement, which may help identify any other business names they operate under. You may find a name you recognise.

If, after checking, you're confident that you did not authorise the transaction and would like to lodge a dispute, please let us know or click here for information on how to raise your dispute.