Most credit unions view so-called decoupled debit cards as the evil body snatchers of the financial world.

Seduced by offers of strong rewards programs, some credit union members abandon their credit union's debit card in favor of one that remains linked to their credit union checking accounts.

Members switching to a debit card issued by someone else blocks credit unions from gaining interchange income from any of those cards' transactions while leaving them with the expense of the ACH transactions.

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