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Debit/ATM MasterCard®

Lady holding an ATM cardAll of TopMark's checking account types feature a Debit/ATM MasterCard® that you can use 24-hours a day, 7-days a week to make purchases, pay bills and shop online anywhere is MasterCard® accepted.

You must have a checking account to use as a debit card.

Your Credit Union debit card can be used anywhere MasterCard® is accepted—online and in stores. The MasterCard® Debit Card functions as an electronic check. To make purchases, simply present your MasterCard® Debit Card and the amount of the purchase will be deducted from your Share Draft Checking Account automatically. It’s accepted at millions of locations WORLDWIDE!  You can also use your Debit Card as an ATM Card.  It’s so simple! 

MasterCard® Debit/ATM cards are on "real time" and when you make a purchase or perform PIN based transactions with your card, your checking account will hold the amount of the purchase until the transaction post to the account.  Some transactions will post immediately.  When viewing your account online you will see a total balance and an available balance.  

You can access the funds in your TopMark checking account with your MasterCard® ATM/Debit Card without the hassle of writing a check. You can use your card to make purchases, shop online, or withdraw cash from an ATM.  You have surcharge-free access to over 35,000 ATMs nationwide through the CO-OP®, Alliance One, and CU Here Networks. 

What About Returning Merchandise Purchased?
It works the same way as if you purchased merchandise with a check or credit card. Save your receipt, just in case you need to return an item purchased. You must resolve any issue/dispute directly with the merchant.

Choosing Credit versus Debit
There are additional security advantages to choosing “Credit”. When you choose “Credit” your transaction is routed through the MasterCard® network. Only the MasterCard® network affords security features like Zero Liability and Fraud Protection.

What’s the Difference?
By choosing “debit” the transaction is processed through the ATM Network and requires you to use your Personal Identification Number (PIN) which offers you the ability to obtain cash back as well.

By choosing “credit” the transaction is processed through the MasterCard® Network and you will be required to sign a receipt. You will NOT be able to obtain cash back through this option.

Additional Options

Contact any branch to customize your PIN so you won't forget your 4-digit number.  Whether you're busy, traveling, or unable to visit a branch, you will be covered with an ATM or Debit Card...start enjoying safe, convenient access to your accounts today!

If ever you need to report your Debit MasterCard® lost or stolen, please call 1-888-918-7848 to report the loss and immediately block your card. We recommend you let us know when you plan to travel outside the U.S. so your card access isn’t interrupted.


Due to rising fraud trends, we have put restrictions in place on certain transaction types in order to protect you and the Credit Union. If your transaction will not process as a credit, try processing it as a debit by using your PIN number. Call us at with any questions!