MasterCard Debit Card


No Cash? No Problem!   

With a MasterCard© Debit card from Members First, you can easily access your account without worrying about always having cash on hand. And, it's free when you open a checking account!

Safe and Secure

We use chip card technology. Our debit cards now come with the latest technology giving you enhanced security. When used at a chip-enabled terminal at the point of sale or an ATM, a small computer chip embedded in the card adds a new layer of protection against unauthorized use and counterfeiting. Information programmed into the chip is personalized for your account and each transaction generates a unique code that can’t be used again.

Convenient

·        Unlike a credit card, when you use your debit card at a merchant location, the money is pulled right from your checking account. There are no interest rates involved and you won’t have any minimum payments to make each month. 

  • You can use your debit card at millions of locations worldwide including restaurants, retail locations, gas stations, and more.
  • You’ll be able to use your debit card in two ways: PIN based (debit) or signature based (credit).
  • Your debit card can be used as an ATM card.
  • You’ll have free ATM access at any Members First ATM location 
  • You’ll also have access to an additional 30,000 surcharge-free ATM locations nationwide via the CO-OP Network.    
  • If you are a CashBack or Rewards Checking holder you’ll receive up to $25 in ATM refunds (fees assessed by other financial institutions) each month that you qualify.
  • You’ll receive Fraud Protection through MasterCard’s Fraud Protection Center
  • If you are an Online Banking user, you'll be eligible for our Purchase Rewards program; you'll receive exclusive cash back offers when using your debit card at the types of places you like to shop!

Learn More

Learn more about your debit card with answers to these commonly asked questions.

How can I activate my card?

Once you receive your card, you can activate and begin using it immediately.  Here's how:

  • For new cards: call 1-800-757-9848 from your primary phone
  • For replacement cards: call 1-800-757-9848 from your primary phone or make an inquiry, withdrawal, or transfer at an ATM

What is chip card technology?

Our debit cards now come with the latest technology giving you enhanced security. When used at a chip-enabled terminal at the point of sale or an ATM, a small computer chip embedded in the card adds a new layer of protection against unauthorized use and counterfeiting. Information programmed into the chip is personalized for your account and each transaction generates a unique code that can’t be used again. Learn more.

Is it safe to use my debit card?

At Members First, the safety of your accounts and your identity is our top priority. As such, we have enhanced fraud protection in place. Your transactions are monitored in real time and are subject to specialized fraud filters.

It is important to always take extra care in monitoring your account.  Should you discover any suspicious or unauthorized transactions, report them to us immediately.  If suspect transactions are found during the Credit Union's non-business hours, please call our MasterCard Fraud Protection center at 1 (800) 472-3272.

What if my card has been lost or stolen?

If you feel that your Members First debit or ATM card has been lost or stolen, please contact us immediately to request a replacement card. During regular business hours, please call us at (603) 622-8781. For evening, weekend, and all other non-business hours, please contact MasterCard directly at (800) 472-3272.

MasterCard Fraud Protection Center

We work closely with MasterCard to ensure that your ATM/Debit cards are safe from hackers.  If activity on your account is deemed potentially fraudulent, you will receive a call from MasterCard alerting you of the suspicious activity.

Can I use my card if I travel abroad?

Yes, while traveling abroad, you'll be able to access ATMs supporting the MasterCard, Maestro, or Cirrus networks with your card; however, there may be restrictions in place to block purchases from certain merchants and/or countries.  Before you leave the country, please call us at (603) 622-8781 so that we can adjust your fraud settings for the duration of your trip.

Are there any fees associated with using my MasterMoney debit card abroad?

Although Members First does not charge a fee for international purchases, ATM surcharges may apply to ATM withdrawals.

Shared Branching

Shared Branching

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