woman paying for a blended juice drink with her credit card

Business Debit Mastercard®

Do what you do best. Let us help with the rest.

Focus on growing and managing your business with the help of the Members Choice Business and Business World Elite Debit Mastercard.

How Business and Business World Elite Debit Mastercard help you manage more of your day-to-day:

Mastercard Receipt Management*
Digital capture and categorization of business receipts for efficient record keeping.
Global Emergency Services*
24/7/365 worldwide assistance for lost or stolen cards, locating an ATM, or questions about your account. 
Microsoft Advertising*
Grow your business and attract more customers with $125 in advertising credit after spending only $10 with Microsoft Advertising.
Car Rental Insurance*
Reimbursement for covered physical damage and/or theft of a rental vehicle with primary protection.*
Mastercard Biz*
A unique social platform where small business owners gather news, insights, and advice.

Intuit® Small Business Financial Tools* 
Discounts on essential tools such as TurboTax®, QuickBooks® Self-Employed, and QuickBooks Online. 

Priceless Golf®* 
From tee times at premier clubs to unique PGA TOUR® experiences, perfect for sharing with clients.

Mastercard ID Theft Protection™
Detection and protection against identity theft, including monitoring, alerts and expert resolution 24/7/365.

Zoho Social*
Run your business’s social media with Zoho Social, so you can build, manage and measure your business’s reach across networks – save 50% on your first year’s subscription.

*For details on all features, see the Guide To Benefits (PDF)

Daily Limit 

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.  

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.

The Member Choice Business and Business World Elite Debit Mastercard work hard for you.

It helps to have a debit card that does more than just pay for things. Contact us today to get your Business or Business World Elite Debit Mastercard added to your checking account. If you are not a member, now is the time to join!

Join Online

Apply online now to open your membership account.

Open an Account in a Branch

To apply in person, visit a branch near you.


To activate your Members Choice Debit Card, please call 1.833.246.9309. Carefully follow the activation process by entering your information in the requested order and until you hear confirmation that your card has been activated.
To report a lost or stolen Debit Mastercard, please call 281.398.9900 or 800.753.2428 immediately; option 6, then option 1. 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. 
Your Business Debit Mastercard includes benefits such as access to QuickBooks, TurboTax, Salesforce Essentials and Mastercard Receipt Management. The Business World Elite Debit Mastercard includes these benefits as well as Cellular Wireless Phone Protection, Mastercard Travel and Lifestyle Services and Premium Easy Savings. For a full summary of these and other features and benefits, click here to view the full Guide to Benefits.
Contactless payments require different information than those made over the phone or online. The cardholder’s name, three digit security code on the back of the card, and billing information like zip code are never transmitted when the card is used. Instead, the account information and a one-time-only code are sent from the card to the reader to identify that transaction.
Mastercard uses advanced fraud detection systems and artificial intelligence to spot suspicious activity and stop fraud in its tracks. If a card is compromised, your Debit Mastercard comes with a global zero liability promise and you will not be liable for unauthorized charges. For more details on zero liability, please refer to your 

Guide To Benefits (PDF)

  1. Be careful where you keep your card. Card readers are usually waved at back pockets and purses when you are not looking; keep cards close and out of easy access for scanning. 
  2. There are several RFID sleeves and wallets available for purchase. These products cover the card and scramble the signal to prevent scanning. 
  3. Use a wallet app on your phone that is protected with a strong PIN. This means you can leave your card at home and safe from scanning. 
  4. Set alerts on your card account and regularly check your balance in online banking. When you see something suspicious, turn your card off and alert Mastercard and/or Members Choice as soon as possible.

Debit Card Resources

Debit Mastercard Guide to Benefits

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


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