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Card Services

Card Services

Through the Missouri Credit Union Association’s (MCUA) partnership with the League Service Corporation (LSC), credit unions have access to the right card solution regardless of size. LSC helps credit unions maximize the potential of their membership by providing cost-effective programs you want and the card products your members require.League Service Corporation

​MCUA is dedicated to delivering innovative and cost-effective card products to member credit unions. Whether you want a credit card program, debit or prepaid, or gift cards, look to MCUA for all of your plastic card needs.

 

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League Service Corp (LSC) offers programs that are designed to allow credit unions to take advantage of an effective credit card program.  By participating in this program, you can compete in the credit card market by serving your members’ needs on a higher level. Today, your members can choose from among many different types of credit cards.  Why not have them choose yours!  This way both you and your members win. Visa®, Mastercard® and Discover® are available.

 

Advantages of offering a credit card program

  • LSC’s program can save you time and money by eliminating repetitive loan applications and advances for small purchases.
  • You will earn additional revenues that will improve your bottom line.
  • You will increase service usage and satisfaction.
  • You can use this program as a powerful tool for attracting upscale potential members into active usage of credit union services.
  • You will give your members convenience, low interest rates, and a payment acceptance plan that can be used in over 18 million locations plus an ATM network availability in 120 countries.

Other benefits

  • You will set and retain 100% of your interest income along with any, annual, overlimit, late, cash advance or NSF fee income.
  • You will approve all credit applications
  • You will set each individual credit limit
  • You will receive daily settlements through your Corporate
  • Your credit union name and logo will be on your plastic
  • Your credit union name will be on your cardholder statements
  • You will be given the option of adding valued enhancements to your program, such as, the ScoreCard Program (cash back and bonus points for merchant and travel rewards), Package Enhancements (Travel Services, Health Care and Discounts), and LetterChecks (Automatic Convenience Check program), and Credit Life and Disability Insurance (optional for your members).
  • You have the ability to upgrade your program to a premium program (Platinum Program), giving your members more enhancements, while providing direct competition with other institutions in the industry.

Contact your MCUA field representative (listed at right) for details.

Today, your members can choose from among many different financial institutions for their checking account needs, and statistics show they will not look to a provider without debit card access.  Why not have them choose yours! League Service Corp (LSC) offers programs that are designed to allow credit unions the advantage of offering debit card access for their checking account program. By participating in this program, you can compete in the debit card market by serving your members’ needs as completely as possible.

 

Advantages of offering a debit card program include:

  • Earns additional revenues that will improve your bottom line
  • Increases service usage and satisfaction
  • Attracts potential members into active usage of credit union services
  • Offers members convenience at over 18 million locations plus ATM accessibility through the VISA networks available in the United States and over 120 countries
  • Provides a competitive advantage
  • Attracts new accounts and strengthens existing relationships
  • Daily settlements through your Corporate
  • Increases brand identity with your credit union name and logo will be on your plastic

Contact your MCUA field representative (listed at right) for details.

 

 

Gift Cards

MCUA’s partnership with the LSC gets you access programs that are designed to allow credit unions to compete with gift card and reloadable "stored value" debit cards. 

Help your members meet their gift giving needs by offering gift cards and prepaid cards. In helping your members, you will create another reason for them to think of you as their primary financial institution.

Meet all of your gift giving needs with a prepaid card.  It's like a gift certificate that can be used virtually anywhere VISA Debit cards are accepted.

  • Gift card benefits include:
  • Accepted anywhere Visa Debit cards are welcomed.
  • Safer than cash - if it is lost or stolen, unused portion can be replaced.
  • Can be used 24 hours after card has been sold and activated.

 

Prepaid Cards

Our partnership with LSC also brings you access to CUMONEY, a prepaid, reloadable debit card. With the CUMONEY Program, your credit union will be able to earn additional revenue by charging a retail fee for issuing the card and will also earn on-going revenue per active card.

The standard program includes LSC setting all the fees and assuming all the risk associated with the program. There is no credit union liability or fraud exposure. Custom programs also are available that would allow you to determine fees and earn interchange income, in exchange for your credit union taking on the risk of fraud. Products available include:

  • CUMoney -   Reloadable Visa card accepted at over 20 million VISA locations including Plus and Interlink networks to make ATM withdrawals.   The CUMoney can be a financial management tool for members that may not qualify for other card programs.
  • CUMoney Family – Reloadable Visa card funded by a parental or caregiver account.   Convenient way for teens to pay for expenses that is safer than cash.  Teaches teens how to manage their finances and live within their means.
  • Visa Gift Card – Non-reloadable Visa gift card that is accepted anywhere Visa Debit cards are welcomed.  It’s safer than cash and if lost or stolen the unused portion can be replaced.
  • Visa TravelMoney – Reloadable Visa card accepted at over 20 million VISA locations worldwide.  Cardholders can make purchases at merchants and get US currency or foreign local currency at ATMs worldwide.  Cardholders receive Travel Benefits at no cost to you or your members.

Benefits of CUMONEY card include:

  • Branded with the VISA Logo, accepted at over 20 million VISA locations worldwide
  • In addition to carrying the Visa Logo, the card also supports the Plus and Interlink networks
  • Cards can be used at ATMs to withdraw cash and at merchants that accept pinned based POS transactions
  • No inventory of cards at the credit union
  • Embossed cards are sent directly to your members via USPS
  • Standard card design with CUMONEY logo or your credit union logo

Contact your MCUA field representative (listed at right) for details.

Contact Us

Tim Loveless
Regional Vice President of Sales
Ryan Dold
Regional Vice President of Sales
Kevin Shaw
Director, Office of Small Credit Unions