The ability to connect a debit card to a P2P service is considered a privilege and not a guaranteed account feature. Member activity will be periodically reviewed to identify patterns that may present elevated risk to the credit union or its membership.
When account activity indicates excessive risk, abuse, or misuse of P2P services, the credit union may temporarily disable debit card access for P2P transactions. Members may continue to utilize ACH-based transactions by linking their account number and routing number directly with the P2P provider when available.
Accounts that demonstrate a sustained period of positive account management and responsible transaction activity may be reevaluated, and P2P debit card access may be restored at the credit union's discretion.
Empower Blue Credit Union reserves the right to limit, suspend, or restore P2P debit card access at any time as part of its ongoing fraud prevention and risk management efforts.