Utah Community Credit Union

Custom Card Information

To customize your card login to Personal Branch online banking and click on Customize Your Debit/Credit Card in the Related Tasks and Links box.



Members of Utah Community Credit Union in good standing with an existing Visa debit or Visa credit card are eligible. Access to UCCU's Personal Branch online banking service is required.

Customized Image’s are Unique to Card numbers:

Only one custom image per card number allowed. For example, multiple debit cards issued on the same account are always issued with unique card numbers so each individual debit card can be designed with a unique image.  However, credit cards issued on the same account, are always issued with the same card number so when any one cardholder customizes their card, all cards with that number will share the customized image.

Image Approval:

All custom images will be reviewed for compliance with image guidelines. Each image also must meet Visa® Issuing Guidelines* outlined below.

Rejected Images:

Utah Community Credit Union reserves the right to reject any image it believes violates the image guidelines. If an image is rejected, notification will be given within five business days. A new image can be submitted anytime following the rejection notice.


Each Custom Card issued is $5.95 unless otherwise stated.  Please note that upon expiration, a new card will be sent (reissued) with the same image as your most recent card and your account will be charged $5.95.

Card Reissue/Renewal:

Upon expiration a new card will be sent with the same image as your most recent card.

Lost/Stolen Card:

If your card is lost or stolen, please call UCCU immediately to replace your card. Your newly issued card will have the same image as your previous card.

Common Questions

Q: Will my new customized VISA card have flat or embossed (raised/bumpy) characters?
A: The Custom Card Studio cards will be embossed.

Q: How will the Custom Card get to me?
A: Via the US Postal service.

Q: How long will it take my card to arrive?
A: 7 to 10 business days after your photo is submitted online (if the image is not rejected).

Q: Will I need to provide financial or personal information to complete my request for a custom image card?
A: No.  Financial or personal information is not needed.

Q: How many times can I can update or change the image on my card?
A: There is no limit to the number of times an image can be changed. Each update or change of image is $5.95 per card.

Q: How will I know if my image is accepted or rejected?
A: You will be notified if your image is rejected via email or possibly telephone.

Q: How do I customize my card(s)?
A: Complete the following six steps:
1.  Logon to Personal Branch.
2.  Click on Custom Card in the Related Links box.
3.  Select the card you want to customize.
4.  Upload your photo or select an image from the online gallery.
5.  Customize your card by using the edits tools.
6.  Click "submit" to complete your request.

Q: What is the difference between a renewal and a reorder?
A: A renewal [reissue] occurs when the card expires and the Visa card is replaced with a new card (card will have the same image). A reorder is initiated by the member, changing the image of the card regardless of time of expiration. Both renewals and reorders are $5.95 per card.

Q: Will my expiration date on the card change?
A: Yes. As with any new card, if you have set-up automatic payments on the card you decide to customize, you will need to contact the payees and update them with your new card information when you receive your new card.

Q: Will my old card work once I have my new custom card?
A: With the activation of your new custom card your old card will not work. You should then destroy and dispose of the old card.

Q: Will my Personal Identification Number (PIN) stay the same?
A: Yes.

Image Questions

Q: What format does the image need to be in?
A: Images need to be at least 840 x 840 pixels. Images may not exceed ten megabytes. Use a high quality image - the better your image, the better your final card will look. Picture files can be either JPEG (.jpg), PNG, GIF, Bitmap (.bmp) or TIFF formats.

Q: Where does the image need to be stored?
A: Your image needs to be accessible from your computer system so it can be uploaded through Personal Branch.

Q: What dimensions does my image need to be?
A: At least 840x840 pixels.

Q: How can I ensure that my card will look good?
A: For best results, use an image with high resolution.

*Visa Issuing Guidelines for Custom Card

We reserve the right to reject the image you submit. The following are examples of items in the foreground or background of photos that would result in rejection:

  • Images that could be perceived as violent, including hatred or cruelty to humans or animals, profanity, or obscenities.
  • People conducting or involving themselves in criminal or illegal activities, including gambling.
  • Images/content demonstrating the views of anti-social, political or religious groups.
  • Libelous, defamatory, sexually explicit, or other content we deem offensive, including discrimination, "hate speech," or socially unacceptable groups (gangs).
  • Material that could infringe on the copyright or trademark rights of another party, including branded products, including abbreviations, acronyms, logos or related symbols.
  • Any references to the Olympic Games or events.
  • Commercial solicitation or promotional material.
  • Celebrities such as actors, musicians, athletes, or cartoons. (Exceptions to this prohibition include permission-based photos of you, your family members or friends photographed with a famous person.)
  • Use of addresses, phone numbers, personalized identification numbers and URL addresses.
  • All images must have the consent of the owner including those downloaded from the Internet.
  • Provocative, derogatory or of a sexual content.
  • No naked or semi-naked images of adults or children.
  • Racial/prejudicial or discriminatory subject matter.

Note: Utah Community Credit Union reserves the right to exclude individuals from using the service if they submit, or repeatedly submit images that do not follow the set forth guidelines.

Upload Information

  • JPEG (.jpg), PNG, GIF, Bitmap (.bmp) or TIFF formats may be used.
  • The size limit (maximum) is ten megabytes (Mb). The image must be at least 840 X 840 pixels (minimum dimensions). For greater image clarity use larger images with higher resolution.
  • Small images will reproduce poorly.
  • Increasing the scale of your picture may also cause it to reproduce poorly.
  • The bigger the picture you choose, the longer it will take to upload.
  • The time your picture takes to upload depends on your Internet connection speed.
  • If your image is slow to upload, please talk to your own Internet service provider for help.
  • On a typical 56k modem, each megabyte will take about three minutes to upload. However, this speed depends on your connection speed.
  • Your image needs to be located on your computer's hard drive, before it can be uploaded to the designer.

If you have any issues or questions with your new card please contact member services. Representative are available to assist you Monday through Friday, 9:00 am to 5:30 pm Mountain Time at (801) 223-8188 or toll free at (800) 453-8188.

NCUA Equal Housing Lender
Utah Community Credit Union, PO Box 1900, Provo, Utah 84604, 1 (800) 453-8188. All Rights Reserved. Utah Community Federal Credit Union does business as (DBA) Utah Community Credit Union. Unauthorized account access or use is not permitted and may constitute a crime punishable by law.