Mastercard® Debit Card
- Contactless pay available+
- Quick, convenient access to your accounts
- Safer than carrying cash
- Make purchases and the funds are automatically deducted from your checking account
- Make ATM withdrawals
- Card Controls are available in our Mobile App, including the ability to set Travel Alerts
- Earn interest when you use your debit card and have Premium Checking*
Click here to apply for your Mastercard debit card today or to replace an existing card
It's like having exact change wherever you go, but even faster and more convenient than cash. Use anywhere you see the Contactless symbol at checkout.
Contactless checkout is ideal when speed and convenience are essential. You can use it at fast food restaurants, gas stations, grocery stores and more.
Contactless payment puts you in control and protects your data. Your card or device never leaves your hand, reducing the risk of loss or counterfeit, and each purchase is uniquely encrypted. You’re also protected against double billing, even if you accidentally tap twice.
Call 248-549-3838, and follow the prompts for Debit Card Questions:
- Damaged Card Replacement
- Card Production Inquiries
- Reset PIN Attempts
- Declined Transaction Override - EnFact and TransBlocker
- Travel Exemptions
- 3D Secure (authentication/verification for the online shopping environment)
- Yellow Path Authentication (for setting up debit card in digital wallets, AKA "The Pays")
- Lost/Stolen Card Reporting
OUR Credit Union sets a transaction limit on your debit card account. (Debits exceeding your daily limit will be declined). When using your debit card as an ATM card, regular ATM limits apply. You should always have the proper funds available in your checking account when using your debit card.
If you exceed your funds, a non-sufficient funds (NSF) fee will be applied to your account. To avoid NSF fees, you may designate a transfer of funds from your savings or overdraft line-of-credit to cover withdrawals.
To qualify for a Mastercard debit card, you must complete an application and have an OUR Credit Union checking account. If you already have an ATM card, it will not be renewed when you qualify for a Mastercard debit card.
Enjoy all the benefits of your OUR Credit Union Debit Card and your Platinum Visa Card using Mobile Pay on your device. It's the easy, secure and private way to pay with a simple touch. Click here for more details!
+Not available on Instant Issue MasterCard Debit Cards.
*See Premium Checking page for details and qualifications.
Accounts will be charged the standard Overdraft fee for handling each overdraft created by check, ACH, Point-of-Sale, ATM withdrawal, in-person withdrawal, or other electronic item that is paid and a fee for items returned. An overdrawn balance must be repaid within 30 days. We may not pay items under your overdraft privilege if you do not maintain your account in good standing by bringing your account to a positive balance within every thirty (30) day period for a minimum of 24 hours, if you default on any loan or other obligation to Engagement Client or if your account is subject to any legal or administrative order or levy. Please click here for a current Fee Schedule.
Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.