closeup of a debit card in a card reader payment terminal

Debit Mastercard®

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

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

Enhanced Debit Mastercard Features

  • Mastercard ID Theft Protection*
  • Extended Warranty*
  • Satisfaction Guarantee*
  • Mastercard Global Services*
  • Mastercard Airport Concierge*
  • Free Wi-Fi Access*
*For details on all features, see the Guide To Benefits (PDF)


  • Cellular Wireless Telephone Protection Coverage*
  • ID Fraud Expense Reimbursement*
  • MasterAssist Travel Assistance Services*
  • Master RoadAssist Roadside Service*
  • MasterRental*
  • Trip Cancellation/Interruption Insurance*

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 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

The Members Choice Debit Mastercard 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 Debit Mastercard in the mail, please activate and/or use your new 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. 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 Debit Mastercard 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

To activate your Members Choice Debit Card, please call 1.833.246.9309. Once you activate your card, return to the main menu, select option #2 and set up your PIN.
To report a lost or stolen Debit Mastercard, please call 1.833.246.9309 immediately. Enter your card number if you know it, otherwise enter ### to be connected with a representative. 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. To confirm transactions or disable your card, please call 1.855.997.7286.
Please contact Member Services at 281.398.9900 or toll free 1.833.246.9309 (option #2) or stop by any of our branches for assistance with your Debit Mastercard PIN.
 
Yes. If the terminal is not chip-enabled, you will need to swipe your card’s magnetic stripe. 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.
Just look for the universal contactless symbol at checkout or ask the cashier if you can pay by tapping. If they do not yet offer contactless, this card can be used normally at any merchant that accepts Mastercard. 
 
 
 
 
 

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.


Debit Mastercard Guide to Benefits

For full details on all Debit Mastercard features and benefits, please review the Guide to Benefits (PDF).

Disclosures

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