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Cards at Zing

VISA® Platinum Credit Card

At a Glance:

Rates starting at 12.99% APR**. No cash advance/balance transfer fees.

Best for:

Everyday purchases.

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Secured Credit Card

At a Glance:

No credit qualification required.

Best for:

Building or rebuilding credit.

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VISA® Debit Card

At a Glance:

Global acceptance. Comes with checking.

Best for:

Making purchases with your checking account.

Open Account

Clear Card

At a Glance:

Simple and straightforward. Protects against overspending.

Best for:

Young adults. Setting a budget. Careful spenders.

Frequently Asked Questions

Is there a fixed rated?

Yes, on purchases you’ll have a fixed rate of 12.99% APR **.

What kind of purchases do I need to make?

There is no need for large purchases, simple small purchases with subsequent payments made on time will work.

How does it build my credit?

Your on-time payments count towards your positive payment history, just like a regular credit card.* On-time payments can make up for 35% of your credit score.

Is there a limit on how many times I can use my PIN to make purchases?

There is not a limit on PIN transactions. However, there is a $2 fee for each PIN transaction after the first 10 made per month. See our rates and fee schedule.

How do I get a new card?

To request a new card, please send us a secure message in your online or mobile banking account, call us at 303-573-1170, or visit any of our branch locations.

How can I avoid overdraft fees?

Understanding your account and your spending habits best prevents overdraft fees. Plus, some accounts, like our Clear Card, don’t allow you to overdraw. You could also consider an overdraft line of credit (with approved credit), which can be a great way to avoid fees and pay bills. Call us, come to a branch, or contact us in mobile/online banking with any questions.

What should I do if my card is lost or stolen?

Contact for lost or stolen cards:

303-573-1170
Monday through Friday
8:00 a.m. – 5:30 p.m.

After Hours:

888-241-2510 (Toll Free Reporting Lost/Stolen Cards within the US)
909-941-1398 (Collect Calls Reporting Lost/Stolen cards outside the US)

How does the Secured Credit Card work?

Our Secured Credit Card is backed up by your savings account⁠—that’s why it doesn’t require any existing credit to open. Here’s how it works:

You set aside funds in a special savings account.
The money you set aside determines your credit limit. So if you set aside $500, you’ll have a $500 credit limit.
You make monthly payments, just like any other credit card.
You build (or repair) your credit. Your on-time payments count towards your positive payment history, just like a regular credit card.

Open a Debit or Credit Card Disclosures

*All loans are subject to credit approval and income verification. Must transfer an aggregate of $5,000 or more to qualify. Balance must stay on the card (except monthly payments made) for 90 days. Membership must be in good-standing. $100 will be deposited to the member’s share account 100 days after the balance transfer is made. The incentive is subject to taxation. Zing Credit Union reserves the right to discontinue this offer at any time.

**APR is Annual Percentage Rate. All loans are subject to credit approval.

Visa Credit Card Disclosure & Agreement

Balance Transfer Promotion

Make a qualifying balance transfer from another financial institution between January 4, 2022 and February 28th, 2022 and receive up to $100 back!* Our Platinum Credit Card offers no balance transfer fees and a great low rate of 12.99% APR!**

Transfer $2,000 – $4,999.99 to receive $25.00
Transfer $5,000 – $7,499.99 to receive $50.00
Transfer $7,500+ to receive $100

Don’t have a Zing Platinum Card? Apply Today!

Start Application

Have a Zing Platinum Card and want to make a balance transfer? Request Now!

Make a Balance Transfer Request

*Limit one balance transfer incentive per member, per promotion period. Zing Credit Union reserves the right to terminate this promotion at any time, without notice. Subject to available credit. Qualifying balance transfer must be made between 1/3/2022 and 2/28/2022. Balance transfers of $2,000.00 – 4,999.99 in new money will qualify for a $25 cash deposit. Balance transfers of $5,000.00 – $7,499.99 in new money will qualify for a $50 cash deposit. Balance transfers of $7,500.00 or more in new money will qualify for a $100 cash deposit. Cash deposit will be made to member’s share account within 30 days or balance transfer being made. Cash deposit is subject to taxation.

**APR is annual percentage rate. With approved credit. Credit card rate is 12.99%. Visa Platinum Card is subject to a $25 annual fee. Foreign transaction fee of 1.00% of each multiple currency transaction in U.S. dollars, or 0.80% of each single currency transaction in U.S. dollars applies.

VISA PLATINUM DISCLOSURE

Truth In Savings Disclosure

TRUTH IN SAVINGS DISCLOSURE

Except as specifically described, the following disclosures apply to all the accounts.

Rate Information. The dividend rate, or interest rate, and annual percentage yield on your accounts are set forth on the reverse side. The annual percentage yield is a percentage rate that reflects the total amount of dividends/interest to be paid on an account based on the dividend/interest rate and frequency of compounding for an annual period. For Certificates of Deposit and IRA Certificates of Deposit, the interest rate and annual percentage yield are fixed and will be in effect for the term of the account. The annual percentage yield is based on an assumption that interest will remain on deposit until maturity. A withdrawal will reduce earnings.
Nature of Dividends. Dividends are paid from current income and available earnings after providing for the required reserves. The dividend rates and annual percentage yields are the prospective rates and yields that the Credit Union anticipates paying for the applicable dividend period.
Compounding and Crediting. Interest and dividends will be compounded and credited as set forth on the reverse side. The dividend/interest period for each account is also set forth on our Rate and Fee Schedule. The dividend/interest period begins on the first calendar day of the period and ends on the last calendar day of the period.
Balance Information. The minimum balance required to open each account is set forth. Interest is calculated by the daily balance method which applies a daily periodic rate to the principal in the account each day.
Accrual of Dividends. Dividends will begin to accrue on cash deposits on the business day you make the deposit to your account. Dividends will begin to accrue on noncash deposits (checks) on the business day you make the deposit to your account. If you close your account before accrued dividends are credited, accrued dividends will not be paid.
Account Limitations. The account limitations for each account are set forth in our Membership and Account Agreement
Your account will mature on the maturity date set forth on your account receipt or renewal notice.
Early Withdrawal Penalties. A penalty may be imposed if you withdraw any of the certificate funds before the maturity date or the renewal date, if this is a renewal account.
Amount of Penalty. For Certificates of Deposit and IRA Certificates of Deposit the amount of the early withdrawal penalty for your account is 90 days’ interest for a term of 12 months or less, and 180 days’ interest for a term over 12 months.
How the Penalty Works. The penalty is calculated as a forfeiture of part or all of the interest that have been earned on the account. This penalty applies to earned interest and principal.
Renewal Policy. Certificate of Deposit accounts will automatically renew for another term upon maturity. You have a grace period of seven days in which to change or withdraw the funds without being charged an early withdrawal penalty.
Exception to Early Withdrawal Penalties. At our option, we may redeem the account before maturity without imposing an early withdrawal penalty under the following circumstances:
- When an account owner dies
- or is determined legally incompetent by a court
- or other body of competent jurisdiction.
Nontransferable / Nonnegotiable. Your account is nontransferable and nonnegotiable. The funds in your account may not be pledged to secure any obligation of an owner except obligations with the Credit Union.
FEES FOR OVERDRAWN ACCOUNTS. Fees may be imposed on each check, draft item, ATM card withdrawal, debit card withdrawal, debit card point of purchase, preauthorized automatic debit, telephone initiated withdrawal or any other electronic withdrawal or transfer transaction that is drawn on an insufficient available account balance. The entire balance in your account may not be available for withdrawal, transfer or payment of a check, draft or item. You may consult the Funds Availability Policy for information regarding the availability of funds in your account. Fees for overdrawing your account may be imposed for each overdraft, item or transaction. If we have approved an overdraft protection limit for your account, such fees may reduce your approval limit. Please refer to the Rate and Fee Schedule for current fee information.

Checking Comparison Chart

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Preferred Checking

Clear Card

Second Chance Checking

Minimum Opening Balance

Suggested opening amount- $25

ID Safe Choice Charge Possible

Yes

Direct Deposit

Accepted and encouraged

Dividends Paid

Privilege Pay

Available after 90 days

Overdraft LOC

Available immediately, with approved credit

ATM/Debit Card

Instant Issue

Shared Branching

Available

Free Bill Payer

Available

Mile High APY

Yes

N/A

Yes

5 Buck Club

Yes

Cards

What kind of card are you looking for?

Cards at Zing

VISA® Platinum Credit Card

At a Glance:

Best for:

Secured Credit Card

At a Glance:

Best for:

VISA® Debit Card

At a Glance:

Best for:

Clear Card

At a Glance:

Best for:

Frequently Asked Questions

Contact for lost or stolen cards:

After Hours:

Balance Transfer Promotion

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Truth In Savings Disclosure

TRUTH IN SAVINGS DISCLOSURE

Checking Comparison Chart

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