FAQs

What do I need to open an account?

• Picture ID: This can be a driver’s license, state issued ID or Passport. If opening an account for a minor, a parent’s identification will be sufficient.
• Social Security Number: We need a social security number for each person on the account. We cannot open an account without a social security number.
• Membership and Savings Account Deposits: Anyone joining the credit union must deposit a $5 membership fee, a $5 U.S. Patriot Act fee and an additional $5 to be held in their savings account. All members must maintain a $5 balance in their savings account as this represents your shares in Peach State.

How do I add/remove a joint member to/from my account?

To add a joint member you will need to complete a new signature card, which you and the joint member sign at a branch. To remove a joint member, the joint member must complete a form requesting removal from the account, or the account can be closed and a new account established. Contact us to learn more.

How do I change my address or other contact information with Peach State?

To notify us of a change in mailing address, telephone number and/or email address, you can call 678.889.4328 or toll-free at 855.889.4328 to speak with a Member Service Representative. You can also stop in at any one of our convenient branch locations.

Help! I’ve been locked out of my account! What should I do?'

If you’ve been locked out of your Online Banking account and are unable to reset your password on our website, or need additional help, please call 678.889.4328 or toll-free at 855.889.4328 for assistance.

Who can join Peach State?

Visit our Membership page to view a full list of our service areas and eligible Select Employee Groups (SEGs).

Can my family members join Peach State?

Once you have established membership at Peach State, any of your immediate family members may join the credit union.

What is CardValet?

CardValet is an app you can download on your smartphone that allows you to put controls in place to determine when, where and how your debit card is used. It provides cardholders with easy, immediate access to account  balances and transactions. It may also reduce your risk of fraud through alerts and monitoring card use. CardValet provides access anytime, anywhere to your account information, with on/off settings and alert capabilities. Please note that Card Valet is a separate app and not part of our Mobile Banking app.

Does CardValet support ATM cards?

No, CardValet only supports debit cards.

What are some of the important features?

• Instantly lock and unlock access to your debit card from your mobile device
• Set and remove spending limits
• Get purchase alerts in real time
• Limit transactions to a certain geographic area using your phone’s GPS

What happens if my debit card is lost, stolen or I suspect fraud?

If the debit card has been lost, stolen or you suspect fraud on your account, you can turn your card off via the CardValet app; however, it is important that you report this to Peach State immediately.

What happens if I forgot my password?

You have three attempts to enter the correct password. After the third attempt, your account will be disabled and you will have to contact Peach State to have your account reset. Once we reset your account, you will need to go to the login page and click “Forgot Password”. A link will be sent to the email address that was used when you signed up for CardValet.

How many transactions does the app display?

You will be able to see the last 50 card-based transactions pending or posted within the last 30 days. Please note that only debit card transactions will be listed. If more information is needed, you will need to log into Mobile or Online Banking to see a complete list.

When is my balance updated on CardValet?

When you login to the CardValet app, a balance inquiry transaction is automatically performed to retrieve and display your balance. A balance inquiry is performed on every account listed in your cardholder record. The application will not initiate more than one balance inquiry within 30 minutes, even if you click “Refresh”.

What types of phones are supported by CardValet?

The CardValet app works with the most recent mobile operating software as well as the two past generations of Android and iPhone devices.

Can I download CardValet on multiple devices?

Yes. You can download and set up CardValet on multiple smartphones; however, you will be required to set a primary device. The primary device is used to determine your location (via your phone’s GPS) and will receive all alerts. CardValet cannot be used on a tablet or computer.

Can multiple cards be linked to CardValet?

Yes, multiple Peach State debit cards can be linked to CardValet. Please note CardValet is only available on VISA^® debit cards issued by Peach State.

Can spending limits be set on my debit card?

Yes. You can set a transaction spending limit on your card. If you need to make a purchase that is more than the limit you have set, you will need to make the change on the CardValet app and it will update your limit immediately.

How can I remove a closed card and add a new card?

The new card number must be registered within the CardValet app. Access your Profile by clicking the following:  Menu > Manage Portfolio > Add Card. The old card cannot be removed; however, it can be unenrolled through the Manage Portfolio screen.

Can I control where the card is used?

Location controls can be established to restrict transactions performed outside of certain areas. Please note this only applies to in-store transactions. Card not present transactions (when the card is not physically swiped or chip inserted) bypass the location-based preferences. For “My Location” Control and Alert settings to work, you must turn ON your phone’s Location Settings and enable location tracking.

Available Location Control Settings Include:

• My Location
• My Region (three per card)
• Block International
• There are multiple location control policies for each card, with the following exceptions:
  • “Block International” must be disabled when either “My Region” or “My Location” is enabled
  • “My Region” and “My Location” must be disabled in order to enable “Block International”

What if I left my phone at home and location settings are on?

If you are too far away and outside of range from your phone, your transaction will be declined.

Why was a transaction denied for location when the merchant is physically located within the boundaries?

It is possible that the merchant’s address is not the physical location, e.g., they use a corporate or regional address. In this instance, you will need to turn off the location control for that transaction.

Can credit union daily limits be raised?

No, the credit union has daily spending limits in place to protect our members; daily limits cannot be altered through CardValet.

Can travel notifications be added for you through CardValet?

If you are traveling, be sure to remove any location controls you put in place. Please contact us prior to travel so any of Peach State’s travel blocks can be lifted. Removing your location control limits via CardValet will not update the travel blocks Peach State has in place for security purposes.

If you still have questions, please contact us at 678.889.4328 or 855.889.4328.

Where does the nickel for each purchase go?

Every year, Peach State supports more than 150 organizations in our service area, including non-profits, school systems and the arts. The money will be disbursed among these organizations and others as we grow.

Will I be charged a fee for participating in this program?

Members will not incur any additional fees or charges from the C.A.R.E.S. program. 

Where does the nickel for each purchase come from?

The nickel will come from Peach State’s merchant interchange income from our VISA^® Debit Card program. Merchant interchange income comes from fees that a merchant or retailer pays to accept credit/debit card payments.

Can I specify where I would like the allocation to go?

The money will be used to benefit the communities that we serve. Peach State will determine where and how the funds are disbursed. You can view a list of organizations who have received a donation or sponsorship from Peach State here. If you would like to request a donation from Peach State, please complete the Sponsorship Request Form.

Will my name or confidential information be shared with the organizations who will benefit from the C.A.R.E.S. program?

No member information will be disclosed for the purpose of the C.A.R.E.S. program and it will not affect your account.

Do I need to opt-in to the C.A.R.E.S. program? Is there anything I need to do to participate?

Every Peach State VISA^® Debit Card is part of the C.A.R.E.S. program, regardless of the card design you currently have, so there’s no need to opt-in. The only thing you need to do to participate is to use your Peach State VISA^® Debit Card for every purchase!

When will I receive the new card so I can start helping?

You will receive the new card design when your current card expires, but don’t worry – you’re still showing that you care if you have the original card design!

Is my Peach State VISA^® Debit Card secure?

Featuring EMV security, your Peach State VISA^® Check (Debit) Card is one card that you can carry with confidence! EMV security is microchip technology that creates a unique transaction code at the point of sale, every time you use your card. This prevents your card or PIN number from being stored in that merchant’s terminal and significantly reduces your risk of fraud.