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NCAR&EMS Debit Card
NCAR&EMS Debit Card
Show your support when you shop
You care for people with health emergencies, offer comfort and help save lives. Now it’s our turn to give back for all you do.
Support
Use your card, we donate1
Access
Add to digital wallets and use at any ATM
Secure
Use Control+ to manage your card
Supporting NC Association of Rescue and EMS
This special debit card helps give back to the lifesaving professionals of rescue and EMS in North Carolina.
How does it work?
Merchant fees are generated when you use your NCAR&EMS debit card for purchases, and we donate half of the net share of those fees to the NC Association of Rescue & EMS — at no cost to you. It all adds up to support for education, training, health, and more benefits for this critical profession, right in our North Carolina hometowns.
- Open a Bonus Checking Account with a $5 minimum deposit
- Select NCAR&EMS to request a custom card
- Earn 0.50% APY2 with 20 debit card purchases
- Automatic donation to NCAR&EMS at no cost to you
- Easy activation in the Civic app3
- Tap to pay, add to a digital wallet
- Use any ATM worldwide, with fees reimbursed4
- Real-time spending and travel alerts
- 24-hour support for lost or stolen card
- Accepted worldwide where the Visa® logo is shown
Here are a few frequently asked questions:
You know that details matter. [And you are in good company.]
1 Civic donates 50% of its share of net merchant fees directly to programs sponsored by NCAR&EMS.
2 APY = Annual Percentage Yield. Applies to member accounts incurring 20 debit card purchases per month, excluding ATM withdrawals and automatic account drafts. Purchases and/or transactions may take up to two business days from transaction date to post to the account. Upon qualifying, APY of 0.50% will be applied to your average daily account balance during the following month up to $10,000. Balances in excess of $10,000 will earn APY of 0.15%. Minimum opening deposit for the Civic Bonus Checking Account is $5. For members making less than 20 qualified purchases per month, APY is 0.15%. Rate is subject to change.
3 Message and data rates may apply.
4 Civic participates in select surcharge-free ATM networks. You can find the current list of surcharge-free ATM locations at civicfcu.org/any-atm. Other ATM networks may charge an ATM fee that Civic will reimburse, up to a total of $20 per month, beginning on the first day of the month and ending on the last day. If you are eligible for an ATM fee reimbursement, funds are typically released by Civic to your account within two (2) business days, but timing may vary.