Debit/ATM MasterCard®

Important Information for Existing Debit Cardholders

Congratulations! You’ve just returned from your mailbox with a paper envelope. Enclosed is your brand new TopMark Federal Credit Union Mastercard® Debit | ATM Card with a fresh new design, and, of course, tap to pay enabled — in other words, contactless.

In late April, TopMark will start to reissue new contactless debit cards to existing TopMark cardholders.  For specific details, please click here!  

As you receive your new debit card, please be aware of the following important information:

✔  New Card Design  
✔ Your card number will change.
✔ The expiration date & CVV code will change.
✔ Your existing card will remain active until May 9, 2021.  
✔ You will need to update any existing automatic payments you have set up that  will take
    place on or after May 10, 2021. 

 Look Tap Go Contactless Card

Lady holding an ATM card

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.


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.