Visa® Balance Transfer or Cash Advance (2024)

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Balance Transfer

Use your available credit to pay off loans or credit cards with higher interest rates. If you are holding on to a high credit card balance, it can negatively affect your credit while accruing high interest. The first step to paying down this debt faster is to transfer it to a card with a low rate. In the long run, this will help you make progress in paying it off sooner and save you the accumulating interest.

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Balance Transfers

Transfer high-interest debt to your Justice Federal VISA Credit Card.

How to Request a VISA Balance Transfer

ONLINE:

1. Log In to Digital Banking LOG IN

2. Select your Credit Card from Your Accounts and select the Card Services Tab.

3. Select Balance Transfer from the Card Services options.
Visa® Balance Transfer or Cash Advance (10)

4. Complete the Payee information with address and full account information from your credit card or loan statement and a check will be sent directly to your lienholder/credit card. This same amount will be transferred to the balance on the credit card you select. Please note that you cannot request a balance transfer for an amount that is more than the available credit on your account. It takes approximately 10-14 business days for the check to be received.

By PHONE:

To request a Balance Transfer by phone, call 866.820.3036. You will need to have your Justice Federal VISA Credit Card, as well as the payee information for the card or loan you wish to transfer a balance from.

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Cash Advance

Use your Justice Federal VISA Card to withdraw cash when you need it.

How to Request a Cash Advance

Via ATM:

Use your Justice Federal VISA Credit Card and PIN at any ATM that processes VISA transactions. Subject to daily limits. Use our ATM Locator to find a Surcharge-Free ATM near you.

In PERSON:

You may request a cash advance at any financial institution that processes VISA transactions. Subject to daily limits. Use our Branch Locator to find a Justice Federal Branch near you.

How to Request a VISA Balance Transfer

Visa® Balance Transfer or Cash Advance (11)

ONLINE:

1. Log In to Digital Banking LOG IN
2. Select your Credit Card from the Accounts Dashboard
3. Select Consolidate Balances from the Actions menu
Visa® Balance Transfer or Cash Advance (12)
4. Complete the payee information with address and full account information from your credit card or loan statement and a check will be sent directly to your lienholder/credit card. This same amount will be transferred to the balance on the credit card you select. Please note that you cannot request a balance transfer for an amount that is more than the available credit on your account. It takes approximately 10-14 business days for the check to be received.

By PHONE:

To request a Balance Transfer by phone, call 866.820.3036. You will need to have your Justice Federal VISA Credit Card, as well as the payee information for the card or loan you wish to transfer a balance from.

Legal Disclaimers & Information

*APR=Annual Percentage Rate. Terms valid as of June 1, 2023. Subject to credit approval. If you have not previously received a credit card from us: An introductory rate will apply for the 18-month periodimmediately following the date your account is established. Credit card subject to the following: Cash advance fee, convenience check fee: either 2.00% of the advance or $10 whichever is greater ($50 maximum),Foreign transaction fees: 1.00% of each foreign currency transaction in U.S. dollars or 1.00% of each U.S. Dollar transaction that occurs in a foreign country. Purchases that take place in the U.S. througha foreign merchant will be subject to the foreign transaction fee. Credit cards have no annual fee, balance transfer fee or transaction fee. To view the Credit Card Account Agreement and Federal DisclosureStatement visit www.jfcu.org or see a representative for details.

Visa® Balance Transfer or Cash Advance (2024)
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