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Frequently Asked Questions

Responsible credit cards from community development banks and credit unions create benefits for people and communities nationwide, while offering you all the conveniences you expect from a credit card. They make a great choice for anyone seeking a credit card.

Since many people are new to community banks and credit unions, they often have questions about how responsible cards work. Here are common questions with answers.

  1. How does a community development bank or credit union that issued the credit card, benefit from my credit card transactions? If there is a non-profit group tied to the card, how do they benefit?

  2. With each of your transactions, the community development bank or credit union and any partnering non-profit organization featured on the card, benefit financially from your credit card transactions. For cards that benefit nonprofit groups, with each purchase made using the card, a percentage of the interchange income is split between the bank or credit union and the non-profit group, providing both entities with a revenue stream to support their missions.


  3. Will my credit card with a community development bank or credit union work overseas?

  4. YES. Credit cards issued by community development banks and credit unions use the VISA or MasterCard networks, and the cards will work anywhere that a VISA or MasterCard issued by a mega-bank will work.


  5. Can I use my responsible card for online purchases and bill paying?

  6. YES. Your responsible credit card operates just like a conventional credit card.


  7. Can I earn points redeemable for rewards or cash back with my responsible credit card?

  8. Many responsible credit cards offer point programs redeemable for merchandise, cash, or services. Contact the financial institution or non-profit organization that benefits from your specific card for information on their awards program.


  9. Can I use my responsible card to withdraw cash from ATMs?

  10. YES. You can use your credit card to withdraw cash from ATMs that accept your card, subject to the terms of your card. Check the listing on the ATM to see whether or not a fee will be applied. If the ATM accepts VISA or MasterCard, then you may not be charged.


  11. How secure is my responsible credit card?

  12. Your responsible card has all the security of any credit card. You have all the same legal protections against theft or loss that you have with any other credit card.


  13. Are responsible business cards available?

  14. Right now, cards are available from several community banks and credit unions nationwide. As demand grows, along with the capacity of community development banks and credit unions, more responsible cards will be offered. In addition, a growing number of nonprofit groups are partnering with One PacficCoast Bank to issue responsible cards that benefit their organizations.


  15. Can I get a paperless statement with my responsible credit card?

  16. Electronic statements are often available – check with the bank or credit union issuing the card.


  17. Can I manage my credit card account online?

  18. Online accounting is frequently available – check with the bank or credit union issuing the card.


  19. Whom do I contact for customer service for my responsible credit card?

  20. The customer service number for your responsible credit card is located on the back of your card.


And remember, please use your responsible credit card responsibly: Only charge the amount of purchases you know you can re-pay responsibly.