Welcome to Beyond Spend, a point-based debit card
rewards account with no fees, minimums, or overdraft fees.
Open a Beyond Spend Account Now
What's included in
your Beyond Spend
Account
- Earn rewards on everyday purchases
- Tap to pay & mobile wallet
- Online & mobile banking
- Free digital services
- Free sweep from savings
Debit Cards
Beyond SpendDebit Card.
Make purchases anywhere Visa® is accepted. Shop at hundreds of popular retailers. Earn more points with every purchase.
- Earn 1 point for every $4 you spend
- Redeem points for cash back, travel, gift cards, merchandise, & so much more
- Zero fraud liability through Visa®
- Surcharge-free ATM access
Debit Cards
Beyond Spend
Metal Debit Card.
Make purchases anywhere Visa® is accepted. Shop at hundreds of popular retailers. Earn more points with every purchase.
- Upgrade to the Metal Card & earn 2 points for every $4 you spend
- Redeem points for cash back, travel, gift cards & so much more
- One-time $50 fee to upgrade
- No annual fee
- Zero fraud liability through Visa®
- Surcharge-free ATM access
Beyond Spend
National Certification.
Our Beyond Spend account is nationally certified by
banking advocates as safe and affordable. Beyond
Spend meets over 25 features for safe and
affordable consumer transaction accounts.
Learn More
Have Questions?
Opening a spend account online takes approximately 15 minutes. Get started here.
You will need to have your address, phone number, email, and social security number. Having a form of identification, such as a driver’s license, state ID, or passport will also be helpful to have, along with a CCF bank account or debit or credit card to fund your account.
Visa’s Zero Liability Policy means you aren’t responsible for unauthorized transactions made with your lost or stolen VISA Debit Card (or debit card number). This additional limit on your liability for unauthorized transactions does not apply to ATM transaction or to transactions using your Personal Identification Number (PIN) which are not processed by Visa® or to business debit card transactions.
VAU allows your CCFBank Debit Card number and/or expiration date to be securely updated at participating merchants when you have a “card on file” because of a product upgrade, card expiration, loss or theft, account closure, or other changes. Not all merchants participate in the program, so you should still make sure that your card information is updated at merchants where you have preauthorized payments setup. You may opt out of this service at any time by calling us at 800.590.9920.