You may use your Visa Debit Card to initiate both Visa debit transactions and non-Visa debit transactions without using a personal identification number (PIN) to authenticate the transactions. To initiate a Visa debit transaction, you may sign a receipt, provide a card number or swipe your card through a POS terminal and choose to route the transaction over a Visa network.
To initiate a non-Visa debit transaction, you may enter a PIN at a point-of sale terminal or, for certain bill payment transactions, provide the account number for an e-commerce or mail/telephone order transaction after clearly indicating a preference to route it as a non-Visa transaction. We have enabled non-Visa debit transaction processing on the PLUS, CO-OP, and STAR network(s).
To initiate a non-Visa debit transaction, you may enter a PIN at a point-of sale terminal or, for certain bill payment transactions, provide the account number for an e-commerce or mail/telephone order transaction after clearly indicating a preference to route it as a non-Visa transaction. We have enabled non-Visa debit transaction processing on the PLUS, CO-OP, and STAR network(s).
Reviews (21)
Teresa Kruger
Dec 24, 2021
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Sherri Wilson
Apr 01, 2021
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I would give The loan depart a 1000star if i could. during the pandemic, we had fraud on a ui claim, freezing our acct at a different bank. Never being late in 7yrs, Ibew protected our loan , we spoke every 2 days, Rose and Tina were life saviors. not only giving me #s for other help. but really got me off the edge, when i felt there was no one listening. the whole Credit Union has been amazing. from day 1 of our 1st time mortgage loan 7yrs ago, they've won my loyalty and i will never leave them. they are more then my loan company, a bank, "they are family". thats how they treat you.
Jessica Lshay
Jan 04, 2021
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The branch manager Joanna is very rude and unprofessional. She treats the members like she is better than them and if it was not for our money her lazy pathetic self would not have a job. Very disappointing that this credit union is straight TRASH !!! And you need to hire a better branch manager that will actually generate business not hinder it.
Nader Niroomand
Nov 04, 2020
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Horrible experience! DO NOT use this bank! very unorganized and sloppy and the branch manager VIVIAN TIRADO whos supposed to be the good one is the worst one of them all.
My name is Nader and Im the owner of Automax of Las Vegas. We sent an auto loan application to this bank and once approved I sent one of my employees to deliver the paperwork to them for funding. My employee stood in the line for his turn and once he got to the teller the branch manager VIVIAN TIRADO came forward and told my employee to step to the side and said "you guys wasted my time so Im going to waste your time" made him
My name is Nader and Im the owner of Automax of Las Vegas. We sent an auto loan application to this bank and once approved I sent one of my employees to deliver the paperwork to them for funding. My employee stood in the line for his turn and once he got to the teller the branch manager VIVIAN TIRADO came forward and told my employee to step to the side and said "you guys wasted my time so Im going to waste your time" made him
Trice Trice
Aug 29, 2020
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If you are looking for a trustworthy reliable bank this wouldn't be it. The bank manager Vivian Tirado is not only rude, but untrustworthy as well. My father used this bank to take out a mortgage on his home. Unfortunately he ended up passing before the loan was completely paid. Every month the payment due for this account was paid auto pay from his account. So when he passed it was after the projected due date meaning the bank was already paid. We received a letter a week after his death stating my father was 30 days behind on his payment and the bank would be foreclosing on his property. We had
Judy Raglin
Aug 28, 2020
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Ashley Maxwell
Jan 23, 2020
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WORST BANK EVER! NOT 1 of the employees know what's happening. So while they try to figure it out every time u may not use the restroom, u have to leave and come back!!! IVE NEVER SEEN LESS COMPETENT PEOPLE IN MY LIFE. charge u over draft fees to NOT overdraft ur account . .that's stealing. Charging for something u have not done. Over and over. I'm almost speechless. Twilight zone
Daniel Herrera
Oct 03, 2019
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Most of the negative reviews are spot on. This bank has been terrible in recent years. I'm cancelling my checking account. In addition to only having one branch in town, They treat their own customers like criminals in order to combat fraud: When I had money stolen from my debit card, they made me file a police report and deliver it to them before giving me a "provisional" credit. Their mobile check deposit requires you write a literal sentence on the back of the check, and rejected my check without the full sentence. They will charge you an overdraft fee but not pay the bill, and they will do
Lisette Jones
Oct 03, 2019
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Everytime I call for any assistance, I have to speak with Lee who is extremely rude and short. She makes me not want to bank there. I only stay because my interest rate is pretty low. Besides that, it's the only bank left in Vegas and is not a convenient location for me. Had it not been for Lee, I'd have no complaints. Some people shouldn't work in customer service, shes definitely one of them.
Arthur Galgani
Jun 07, 2019
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Been a member 30-plus years. The bank ceo ruined this place. Unprofessional if I could give less than one star I would subtract three. Countless bad experiences. Only positive thing are the loan rates. Customer service needs to come up seriously from the loan department to the tellers. You guys need a lesson in etiquette.
Kelsey C.
Sep 08, 2018
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LOVE this credit union. The loan process was super easy, and everyone was VERY friendly. Josh explained the whole process and prepared us for each scenario. The whole process was MAYBE two hours. Definitely will come back for other banking needs!
Thank you Josh for your stellar customer service, and the laughs.
Thank you Josh for your stellar customer service, and the laughs.
Kim G.
Aug 22, 2018
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I can't say enough about Mia what a wonderful representative 4 Plus Credit Union she helped us get our Visa card and then helped us with an auto loan always friendly always smiling always answers the phone I give her a solid 10 and will continue to return to her and those at Plus Credit Union way to go guys great customer service
Theresa G.
Jul 31, 2018
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Metello Z.
Nov 07, 2017
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Customer service is great but it's just not enough.
No chip and pin and no answer to when it will be available. I would use EXTREME CAUTION when banking here due to this simple fact. No chip and pin = Your ATM / Debit card being skimmed and money stolen from your account on a regular basis. It's this reason alone I am dumping this CU because they lack the protections for their customers on everyday transactions. This technology has been around since 1993 and was widely adopted across many platforms. If this CU cannot afford the development or the means to implement then maybe they should
No chip and pin and no answer to when it will be available. I would use EXTREME CAUTION when banking here due to this simple fact. No chip and pin = Your ATM / Debit card being skimmed and money stolen from your account on a regular basis. It's this reason alone I am dumping this CU because they lack the protections for their customers on everyday transactions. This technology has been around since 1993 and was widely adopted across many platforms. If this CU cannot afford the development or the means to implement then maybe they should
J. G.
Aug 02, 2017
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Funny I am still here but not for long... see when you have many years invested into a financial institution such as this credit union it's hard to move all those service ties to other places. I have been a member, not customer since 1993 when they were I little shop in a strip mall on Sahara blvd, they used to call themselves I.B.E.W Plus credit union. But things in Vegas change and this place has changed.they seem to be more like a bank than a CU. A union only works on the strength of it's members. I have gotten many loans over the years from this place and paid back earlier than due
Randal B.
Jun 26, 2017
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Tara P.
Mar 22, 2017
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Dennis M.
Feb 21, 2017
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Steadily deteriorating service over the years to where it's now just another bank. They will put a hold on the check you're trying to cash, even if you've been a customer for 20+ years and never had a problem. Their debit cards carry the Visa logo but are useless when renting a car. They ignore all complaints about this. When I first joined in 1982 they would bend over backwards to take care of you. Now it's just another bank.
Analicia L.
Nov 15, 2016
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Carrina M.
Apr 22, 2016
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Sarah R.
May 05, 2015
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Just left the Ibew. I've banked with them for years. I wanted to thank Leigh for her excellent customer service. She was friendly professional thorough and very fast. I would recommend Ibew and all the services they offer. Leigh qualified me to refinance my auto loan saving me thousands!!!! Thank u Leigh!
