Why is my debit or credit card being declined?

We're sorry to hear that you're experiencing some declines using your cards. This can be caused by several factors that we can briefly go over.

If there are enough funds in the account to cover the transaction, one of the most common reasons a card would decline is because the payment would exceed your card's daily limits. You may call in to Member Services at 206.398.5500, option 4, between 8:00 a.m. - 6:00 p.m. Monday through Friday, and 10:00 a.m. - 2:00 p.m. on Saturdays, to inquire about your limits or request to have them increased.

The second most common reason is that we had detected some potentially suspicious activity on your account, and temporarily frozen your card. You may call in to the member services number listed above to learn more.

Less likely but not rare, if we have mail returned to us by the post office, we cannot keep your cards activated. You can confirm or update your address by calling in to member services.