The $2 billion Service Credit Union in Portsmouth, N.H., has upgraded its girocard, the German debit card.

Members can now make purchases up to their account balance and direct deposit or allotment are no longer required to receive the card, said Service CU, whose 38 branches include 16 on U.S. military installations in Germany.

German merchants often reject major credit and debit cards but widely accept the girocard, which transacts purchases in euros and includes chip and PIN security features, the credit union said.

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