Online Banking

Debit/EMV Chip Cards

Convenience at Your Fingertips

Enjoy the convenience and accessibility at ATMs and merchants worldwide with you Members Choice Visa Debit Card. Our Visa Debit Card gives members a chance to earn higher dividends on our Reward Checking & Reward Saver accounts.

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.

EMV Chip Cards: Smart & Safe

Please Activate & Use Your New Debit Chip Card

Enjoy the new enhanced security and peace of mind that comes with a Members Choice Debit Card. 

Important Notice: You may have recently received a new Members Choice Visa Debit Chip Card in the mail. The new chip technology is designed to help keep your account secure and to help with fraud protection. If you have not activated and/or used your new card, we encourage you to begin using your card as soon as possible. Your new card was issued with a new card number and a new Personal Identification Number (PIN), which would have arrived separately from the card.  Your card will work as a PIN or credit transaction immediately upon activation. As a reminder, please be sure to update your card information with any automatic debits or merchants using your old card number. All old cards without a chip have been closed as of December 12, 2016. 

We will gladly re-PIN your card to a customized number for you. Simply contact our Call Center at 281.398.9900 / 800.753.2428, or visit a branch during both of their normal business hours. If you have not received your new card, please contact us.

Smart Chip Technology

The new VISA card is equipped with smart chip technology which means it has an embedded microchip that provides increased protection against fraud.

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

Global Acceptance

Smart chip technology is 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 new chip card include:

  • 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. 

FAQs

WHAT IF A MERCHANT DOESN’T HAVE A CHIP-ENABLED TERMINAL? WILL MY NEW CARD STILL WORK?

Yes. Just 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.

WHEN DO I SWIPE? WHEN DO I INSERT?

When in doubt, swipe your card. If the terminal is chip-enabled, it will recognize that your card has a chip and will quickly prompt you to insert it instead.

WHAT IS DIFFERENT ABOUT MY NEW CARD?

Your new card features an embedded chip that improves security every time you make a purchase at a chip-enabled terminal. The new chip technology creates a unique code for each transaction that is difficult to duplicate, reducing the risk of fraudulent charges on your account.

DOES MY CHIP CARD WORK AT THE ATM?

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.

More questions concerning your EMV Chip Card?

Feel free to contact our member service department and they'll be glad to assist you!
 

Get a Debit Card Application and apply for your card today!

Click here for important information about traveling with your MCCU Debit Card!


 

Lost or Stolen Debit Card

VISA Debit Card

281.398.9900 - 9am – 5pm CST
877.703.5024 - 5pm – 9am CST

Visa Debit Security Center: 866.317.9344
(When contacted by Visa to confirm a transaction on your Visa Debit Card.)

Members Choice Credit Union

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