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. 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.  When viewing your account online you will see a total balance and an available balance*.  

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. 

Stay Informed and Avoid Fraud With Debit Card E-Alerts Via Text or Email

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The Difference Between Selecting Credit vs Debit at the Checkout 

Self-check, Fast Lane, or Register 4? Insert or Swipe? Credit or Debit? All of these questions play a role in our shopping experiences each day. We don’t think about them much, but as times change and technology continues to advance, we will continuously be faced with new payment options and methods as consumers.

Choosing credit gives you more security on purchases

Most reputable card processors won’t hold you liable for unauthorized credit transactions. If you enter your PIN and fraud occurs, you’ll have to work out a solution with TopMark (or other financial institution) and wait before you get your money back.

Many card processors have zero-liability policies in place when you run your debit card as credit and treat your debit card just like a regular credit card when you make a credit transaction. If an unauthorized charge is made, it will refund all of your money back.

There are Two Huge Issues when you Select “Debit”  

  1. You have entered your ATM PIN to an unknown (and often poorly-protected) point-of-sale computer.
  2. Money is immediately transferred from your checking account and you are responsible for any fraud.

Thieves stole 4 million transactions from Targe stores apparently swiping data over the network directly from cash registers. This allowed them to clone all of the cards, regardless of whether they were credit cards, traditional debit cards, or credit-logo debit cards. They definitely swiped PINs used for debit transactions, and they may have swiped lots more information, including card verification codes and personal information.

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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!

Click Here to View our MasterCard Debit Card Agreement and Disclosure Statement.

* Current Balance or Balance and Available Balance"  There are many circumstances that will affect your access to the funds in your accounts. Many of these transactions are beyond the Credit Union's control as they are requirements of the payment networks that your transactions are processed through via the merchants with whom you choose to do business.  Also, we may place holds on various deposits as explained in the Funds Availability Policy Disclosure and under certain circumstances explained.  Thus, your account records may show a "Current Balance/Balance" and an "Available Balance".  The Current Balance/Balance is the total amount of funds in your account(s).  The available balance is the current balance/balance. If you exceed the current balance/balance (even though the available balance may be greater) you may overdraw your account.  This may result in insufficient funds transactions, returned items and fees including overdraft fees as a result of exceeding your current balance/balance.  To know your current and/or available balance you may check online banking.  Also, be sure you understand the order in which you transaction are paid so that you may avoid making transactions that exceed your current balance.