closeup of a debit card in a card reader payment terminal

Debit Cards

Your money when you need it, no matter where you are

With your Members Choice Visa Debit Card, you’ll have easy access to your money at merchants and ATMs worldwide without the hassle of cash or checks.

This summer, we're bringing you the new Members Choice Debit Mastercard. 

Click Here to Learn More


Global Acceptance

Smart chip technology is a proven technology that is already in wide use around the world. Shop with confidence anywhere in the world knowing your card will be safe and accepted.

Benefits of the chip card

  • Shop with confidence anywhere in the world knowing your card is globally accepted
  • Reduced risk of fraudulent charges on your account
  • More thorough authentication process for online purchases

Daily Limit

Personal Accounts
Withdrawal of funds from an ATM $600.00
Combined purchases using your PIN or signature $2,000.00
Business Accounts
Withdrawal of funds from an ATM $600.00
Combined purchases using your PIN or signature $5,000.00
If the balance in the account is lower than above, the limit will be the available balance.

Debit versus Credit — What is the difference?

Credit and debit cards are a convenient way to pay for items without having to hassle with cash or checks. Both are usually widely accepted at most merchants and come with security features that can help prevent fraud. The biggest difference between a debit and credit card is where the funds that back the card are sourced. 

A credit card allows you to borrow money from Members Choice or another financial institution that issues credit cards. The borrowed funds carry an interest rate you agree to pay along with the money spent on the card.

A debit card is funded or paid by deducting money directly from your checking account. In contrast to a credit card, debit cards won’t incur fees unless the cardholder overdraws the account. Using a debit card is a good way to stay on a budget keep yourself aware of your account balance.

EMV Chip Cards – Smart & Safe Technology

The Members Choice Visa Debit Card is equipped with smart chip technology, designed to help keep your account secure, and provide increased protection against fraud.
Important: If you recently received a new Members Choice Visa Debit Chip Card in the mail, please activate and/or use your new card. If your new card was issued with a new card number, then your new Personal Identification Number (PIN) will arrive separately from the card. Once activated, your card will work as a PIN or credit transaction immediately. As a reminder, please be sure to update your card information with any automatic debits or merchants using your old card number.

We will gladly re-PIN your card to a customized number for you! Simply call 281.398.9900 or visit a branch during our normal business hours. If you have not received your new card, please contact us.

For increased security, you may be required to enter your Personal Identification Number (PIN) for transactions at smart chip-enabled terminals.

Are you ready to get rewarded?

Open an account as a new member with one of these easy options

Join Online

Apply online now to open your membership account

Join in a Branch

Make an appointment to open your account
Current Members Choice members, you can “Quick Apply” for a new checking account with a Visa Debit Card in online banking or your mobile app. Login, and click on the “Quick Apply” widget in the main navigation to get started (you may need to click on the “More” button to view).

FAQs about Debit Cards & EMV Chip Cards

To activate your Members Choice Debit Card, please call 1.877.703.5024 and choose Option 1.
To report a lost or stolen Visa Debit Card, please call 1.877.703.5024 immediately and choose Option 2. We also recommend that you review your account for any unauthorized transactions and to contact us for any further steps that may need to be taken. If contacted by Visa to confirm a transaction on your Visa Debit Card, the Visa Debit Security Center number is 866.317.9344.
Please contact Member Services at 281.398.9900 or toll free 800.753.2428 or stop by any of our branches for assistance with your Visa Debit Card PIN.
Yes. If the terminal is not chip-enabled, you will need to swipe your card’s magnetic stripe, like you would with your old card. Online purchases still work the same way they did with your old card too.
Yes. Use your chip card at the exact same merchants you do now by inserting the card into card terminals that are chip-enabled or swiping your card at merchant locations that have not yet switched to chip-enabled card terminals. You can also use your card as you did before for online payments, telephone payments and at ATMs.

Debit Card Resources

Visa Debit Card Application

Already have a Members Choice Checking Account? Get a Visa Debit Card Application (PDF) and apply for your card today.

Visa Debit Card Travel Information

Get important information about traveling with your MCCU Debit Card.


If not currently a Members Choice member, a $5 deposit is needed to establish membership. All memberships are subject to approval including credit approval.