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The Engage Visa Debit Card

Available only for credit union members - provides a low cost bank account (Sort Code and Account Number) that can be easily managed on-line or with a mobile app. It provides ability to see live balance information, get statements, pay bills and set up standing orders from your own account.

The card cannot be overdrawn. Engage Account holders need to maintain active membership of the Credit Union and we encourage all members to save regularly. When the Credit Union assesses loan applications from members, a key criteria is a members past savings and repayments record.

Also available are budgeting ‘envelopes’ for the management of important bills such as rent and utilities. Funds from your Credit Union savings or loan accounts or from other bank accounts can be transferred to the Visa card overnight and cash is available from ATMs or free with retailer cash- back.

A large reward programme offers discounts on your shopping when you purchase using your card with local retailers signed up to the Engage Reward Programme. These savings are between 3% and 7% at many major stores in Rugby and more than outweigh the small monthly account fee.

There is a £2 per month account management fee but it’s free to open the account and a second card is also free. Replacing a lost card costs £5. There are no charges for purchases or for setting up standing orders nor for cash-back in store but it costs 75p for each ATM cash withdrawal

There are also small charges for use of the card overseas. Mobile Apps are available free for IPhone or Android. SMS or e-mail alerts can be set up to track spending. Each month the discounts earned on the Reward Programme are automatically credited to the account.