Your money when you need it, no matter where you are
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 and keep yourself aware of your account balance.
Contactless Transactions – Tap for Speed & Security
With built-in chip security, contactless payments let you breeze through the line when you're on-the-go. Tap to pay at more places than ever before with your Members Choice Debit Mastercard. Every day at millions of stores worldwide, shoppers are getting through line 10x faster by tapping contactless cards. Just look for the contactless symbol when you shop.
EMV Chip Cards – Smart & Safe Technology
We will gladly re-PIN your card. 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.
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Open an account as a new member with one of these easy options
Debit Card Resources
Debit Mastercard Application
Already have a Members Choice Checking Account? Get a Debit Mastercard Application (PDF) and apply for your card today.