Mastercard^®Debit Card

(Effective Saturday, March 5, 2022, Mastercard^® has suspended all Russia operations. Any Mastercard issued by a financial institution in the United States will no longer work within the Russian Federation. For further information please click here for Mastercard's statement)

All InTouch Credit Union checking account types feature a free ITCU Debit Mastercard^® that can be used 24-hours a day, 7-days a week, to make purchases, pay bills and shop online anywhere Mastercard is accepted.

Your Debit Mastercard can also always be utilized to make cash withdrawals without fees at any of our ITCU ATM locations. ITCU members also have access to over 30,000 surcharge-free Non-ITCU ATMs across the country.

All InTouch Credit Union’ Debit Mastercard cards (except HSA) also feature a points rewards program, called uChoose Rewards ® which allows cardholders to earn points redeemable for cash back, merchandise and more. Make the ITCU debit card your choice for everyday purchases, monthly subscriptions and memberships and you'll quickly earn more than enough points to feel like the card is paying you to use it!

Peace of mind is another benefit of making an ITCU debit card your card of choice. The ITCU debit Mastercard offers Extended Warranty Insurance that duplicates the coverage of the original manufacturer’s warranty for up to one year, Price Protection that provides a refund of the price difference within 120 days of making a purchase if you find a lower price elsewhere, and a Satisfaction Guarantee of up to $250 per product within 60 days of the purchase. Contact Mastercard directly at 800-Mastercard to learn more about the restrictions, terms and conditions for these programs or to submit a claim.

Feel even more secure knowing you have access to ID Theft Resolution Services, which provides members with an identity theft services, including assistance with card replacement, an identity theft resolution kit, and more. Mastercard offers Zero Liability against unauthorized transactions if your card is lost or stolen, regardless of the transaction type (PIN-based, ATM-based, etc.).

If ever you need to report your Debit Mastercard lost or stolen, please call 1-800-337-3328 to report the loss and immediately block your card. For lost or stolen Debit Cards after business hours (24 hours a day, 7 days a week) please call 1 (844) 773-1016. Or you may also fill out our online Debit or ATM Card Request or Lost / Stolen form.

MyCards Manages Your Debit Card with Ease

Your ITCU debit card is already a convenient way to make transactions, complete withdrawals and more. It should also be equally convenient to control. That's where "MyCards" comes in. Look for the Cards icon at the bottom of the ITCU Mobile Banking app to link to "MyCards" and immediately be in total control of your card. Turn it on or off as you need to (a great relief if you ever misplace it), control how and where it can be used, and set up alerts to monitor any transactions you want keep track of.

If you aren't using the Mobile Banking app yet, download it to your phone from the applicable app store (Apple® or Google®). Click here to learn more about Mobile Banking.

Don't Forget: Apple Pay^®, Google Pay™ and Samsung Pay™ Support Available!

Bring the convenience and speed of tap-and-pay purchasing to your smart devices with Apple Pay^®, Google Pay™ and Samsung Pay™ wherever the options are provided. Download the desired "Pay" app(s) to your device today and start using your ITCU debit card as your preferred method of payment for all of your on-the-go buying needs!

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 for assistance.