Mastercard® Debit Card
Make purchases and access your checking account with a Telcoe Mastercard® debit card. Use it in stores, online, and at ATMs for a simple way to manage everyday spending.
Fast, Secure Payments For Everyday Purchases
Enjoy the Convenience of Cashless Payments
When you open a Telcoe checking account, you’ll receive a Mastercard® debit card for in-store, online, and recurring purchases. Use it for groceries, dining, fuel, subscriptions, and other daily expenses across Arkansas or while traveling.
Purchases are deducted directly from your checking account, making it easier to track spending without carrying cash or writing checks
Getting a Debit Card Is Easy!
★★★★★
Every interaction is easy going and effortless. Customer service has always been kind and top tier. Highly recommend this institution. Love them!
- Catherine G.
Mastercard® Debit Card FAQs
How is a debit card
different from a credit card?
A debit card is linked to your checking account, and purchase amounts are deducted
from the funds in that account. A credit card allows you to borrow up to an established credit limit
and repay the balance later.
Is fraud monitoring
included?
Yes. Debit card transactions are monitored for possible fraud. You can also use
Card Management in the Telcoe Arkansas App to receive transaction alerts, set spending controls, and
turn your card off if it is lost, stolen, or being misused.
What happens if my
debit Mastercard® is lost or stolen?
Report your lost or stolen card immediately by calling 1-888-297-3416, available 24/7. You can also disable your card
through Card Management in the Telcoe Arkansas App while you contact Card Services. A $15
replacement fee applies.
What happens if I
accidentally spend more than I have in my checking account?
Overdraft protection links your checking
and savings accounts. If an eligible transaction exceeds your checking balance, available funds are
automatically transferred from savings. The transfer fee is lower than the non-sufficient funds fee,
and up to six overdraft transfers are allowed each month.
Can I use my debit card
for online purchases?
Yes. Your credit union Mastercard® debit card can be used online wherever
Mastercard® is accepted. Shop through trusted merchants, check that the site uses an encrypted
connection, and avoid entering card information over public Wi-Fi.
Can I use my debit card
to withdraw cash?
Yes. Through the CO-OP and CULIANCE networks, you can withdraw cash at thousands
of surcharge-free ATMs nationwide.
Can I use my debit card
for recurring payments?
Yes. Debit cards can be used for subscriptions, memberships, and other recurring
charges. Keep enough money in your checking account to cover each scheduled payment.
Are credit union debit
cards accepted everywhere?
Not everywhere, but Mastercard® debit cards are accepted by millions of merchants.
You can use your card for in-store and online purchases, recurring payments, travel expenses, and
withdrawals at ATMs that accept Mastercard®.
How long does it take
to get a debit card from a credit union?
Debit cards are mailed out the same business day that they are requested. Mail
delivery typically takes 7-10 business days but can arrive sooner. After your checking account is
opened, Telcoe will mail your debit card with activation instructions. Contact Member Services at
501-375-5321 with questions about the status of your card.
Can I use my credit
union debit card at an ATM?
Yes. You can use your credit union debit card and PIN at participating ATMs to
withdraw cash and complete other available transactions. Use Telcoe’s ATM locator to find surcharge-free CO-OP and
CULIANCE locations.
Am I eligible to become
a Telcoe FCU member?
Telcoe FCU membership is available
to anyone who lives, works, worships, or attends school in Arkansas. You must have an Arkansas
driver's license or state-issued ID. Membership is also available to immediate family members
of current Telcoe members, employees of select employer groups, and members of certain community
organizations.
Accounts for Your Everyday Financial Needs