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Debit MasterCard®

All of InTouch Credit Union’s checking account types feature a free ITCU Debit MasterCard® that you can use 24-hours a day, 7-days a week to make purchases, pay bills and shop online anywhere MasterCard is accepted. Your debit card can also be registered for MasterCard Masterpass, a great way to safely and securely purchase online without having to provide your card number. To learn more about how and where to use Masterpass for online purchases, and to enroll your InTouch debit and credit card(s).

Your Debit MasterCard can also always be utilized to make cash withdrawals for free at any of our ITCU ATM locations. ITCU members also have access to over 55,000 surcharge-free Non-ITCU ATMs across the country.

InTouch Credit Union’s Debit MasterCard also features an innovative cash back rewards program as a free benefit to all of our Debit MasterCard carrying members. Your Debit MasterCard will also feature our Purchase Rebates program, which allows our InTouch Prime, Momentum and E-ssential Checking account holders to earn cash rebates on their purchases.

Additional benefits offered by MasterCard directly include ID Theft Resolution Services, which provides our members with an identity theft affidavit, assistance with card replacement, an identity theft resolution kit and more. MasterCard also offers enhanced benefits on their debit cards including Extended Warranty Insurance that duplicates the coverage of the original manufacturer’s warranty for up to one year, Price Protection that allows you a refund of the price difference within 120 days of making a purchase and a Satisfaction Guarantee of up to $250 per product within 60 days. MasterCard also offers Zero Liability against unauthorized transactions if your card is lost or stolen, regardless of whether the transaction is signature, PIN or ATM-based. Contact MasterCard directly at 800-MasterCard to learn more about the restrictions, terms and conditions for these programs or to submit a claim.

ITCU is proud to feature advanced fraud alerts on your Debit MasterCard that protect you even while you are on-the-go. Our service will confirm suspicious transactions by sending a text message or call to you to verify your last transaction’s details. You can learn more about this program in our Debit Card Fraud Alerts FAQ.

Chip (EMV) technology is now available for ITCU Debit MasterCards and Credit Cards. Click here to learn more about EMV cards.

If ever you need to report your Debit MasterCard lost or stolen, please call 1-800-337-3328, Option 6 to report the loss and immediately block your card. For lost or stolen Debit Cards after business hours (after 6 p.m. CST on Monday through Friday, as well as on weekends and holidays) please call 1-866-664-9364. Or you may also fill out our online Debit or ATM Card Request or Lost / Stolen form.

Please also contact the Credit Union at 800-337-3328, Option 6 for assistance if your Debit Card PIN has been locked out.

MasterCard SecureCode

ITCU debit card users will receive the following authentication prompts if an online transaction is flagged for authentication:
  • Authentication Request

    • If you conduct, or will be conducting, an online purchase using your debit card with a merchant that uses MasterCard® SecureCode services, you may see an authentication message onscreen upon submitting your payment. This message will prompt you to either enter a unique, one-time password (sent through a text message to a registered phone number), or answer pre-selected security questions, before continuing and completing your transaction.
  • Failed Authentication Request

    • If you attempt an online purchase using your debit card with a MasterCard® SecureCode merchant and it does not complete, the transaction may be considered high risk (potential for fraud) because it is an unusual transaction type or is not one you have done before. If so, you will see a message indicating it as a “high risk” transaction and has not been authenticated through the MasterCard® SecureCode service. For security purposes and user safety, this authentication cannot be processed. You will need to call (800) 337-3328, option 5 for assistance.