The Communal International Debit Card

The Communal Visa Debit Card, operated under the CONNEX network, provides you with the convenience accessing cash and shopping online or in-person for goods and services anywhere and anytime!

A smiling couple with a debit card making a transaction on a tablet

Avoid the risk of walking around with excess cash and use your Communal Visa Debit Card to withdraw cash from any CONNEX ATM or at any ATM where the Visa and Plus logos are displayed.

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The Highlights

Maximum Withdrawal

The most you can withdraw with your card, in any one day is EC $2,500.00; or a maximum of (5) transactions per day at the ATM.

Daily Purchase Limit

At a Point Of Sale (POS) machine, your daily purchase limit is EC $5,000.00 or a maximum of ten (10) transactions.

Spending Limit

The available balance in your account at The Communal is your spending limit. As a result, you cannot spend more than what is in your account.

Absolutely Superb!

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The Communal International Visa Debit Card Frequently Asked Questions

Why would my available cash balance be different from my balance?

When you use a debit card, the merchant sends a confirmation to the Credit Union for an authorization. When the approval is given, the balance in your savings account is reduced or "blocked" by the amount of the purchase. This is known as a pre-authorization hold. The merchant determines the amount of the hold, and the hold is registered on your account with a date 3 months later, which represents the maximum amount of time for the merchant to complete the transaction. Typically, the hold stays on your account until the funds are transferred to the merchant a few days later.

I forgot my PIN. What do I do?

Visit any CONNEX ATM to re-pin your card or contact our Member Services Team for assistance.

My debit card is lost or stolen. How do I get a new one?

If your card is lost or stolen, use your mobile banking app to “Freeze Your Card” immediately. During our business hours, you can also contact our e-Services Unit on 440-1755 (Ext. 118, 141, 144 or 114) to assist you with deactivating your card and applying for a replacement card. If the card is lost or stolen during non-business hours, please dial the number on the back of the card for emergency assistance.

There's a charge on my account from my Communal Visa Debit Card that I don't recognize. What should I do?

Please contact the merchant first to verify the transaction and if necessary, visit our nearest Branch or contact our e-Services Unit on 440-1755 (Ext. 118, 141, 144 or 114).

What are my Communal Visa Debit Card Limits?

For ATM withdrawals, the limit on your Communal Visa Debit Card is five (5) transactions or $2,500 per day. For online/merchant purchases, the limit on your Communal Visa Debit Card is ten (10) transactions or $5,000 per day. If you wish to increase your limits temporarily, please contact our Member Services Team on 440-1755 or visit our nearest Branch.

Will my Communal Visa Debit Card work for transactions outside of Grenada?

Yes, your card can be used internationally at any ATM or merchant that accepts Visa or Plus cards.

Does my Communal Visa Debit Card have any rewards?

There is no rewards system on your card; however, we are working towards implementing one in the future.

Is my Communal Visa Debit Card protected against identity theft and fraud?

Your Communal Visa Debit Card is monitored 24/7 by our external partner, Caribbean Credit Card Corporation (4Cs) and has the latest security features available with “Chip & Pin” cards.

Would I have to pay any interest charges or extra fees?

Your Communal Visa Debit Card does not incur any interest charges as a typical credit card. However, standard fees for ATM withdrawals, online/merchant purchases and the annual fee and replacement card fee are applicable.

How can I keep track of my transactions and account balance?

We offer mobile and online banking services to allow you access to your transactions and account balance anytime and anywhere.

What if I have more than one account?

Members with more than one account can have more than one debit card.

What if I encounter problems with the card when the credit union is closed? Who do I call?

The Communal, through our external partner, 4Cs, provides you with an efficient 24 hour support service that would enable you to call, free of charge, to rectify any problems you may encounter or to report the card lost or stolen, outside of our business hours. This number can be found at the back of your card.

What if my card is captured in the ATM?

If your card is captured at any ATM, please visit our nearest branch or contact our Member Services Team on 440-1755 for assistance in retrieving your card.

Can I pay for a transaction in a foreign currency?

Yes, our card payment processor/network, 4Cs, determines the EC equivalent of your transaction, which allows you to pay for the transaction in a foreign currency.