Debit MasterCard®
The Debit MasterCard® works like a check with the convenience of a credit card. The Bay Area Debit MasterCard® is accepted anywhere MasterCard® is accepted. When you use your Debit MasterCard, the funds come directly from your Bay Area checking account. Your Debit MasterCard also functions as your ATM card and uses the MoneyPass®, Pulse®, Plus® and Alliance One networks. MoneyPass is a nationwide Surcharge-Free Network. Alliance One is a Credit Union Surcharge-Free network.
Daily Limits:
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$1500 per day transaction limit, or balance in account, whichever is less. |
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$250 per day cash withdrawal limit, or balance in account, whichever is less. |
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Debit MasterCard transactions are posted in REAL time. This effectively eliminates "float time" for withdrawals, purchases and deposits. |
Bay Area Credit Union provides a 24-hour drive-up ATM for your convenience. There is also a Bay Area ATM located at the BP Toledo Refinery. There is never a surcharge to use your Bay Area Debit MasterCard at either of our machines.
To report a lost or stolen Debit MasterCard® immediately
call 1-800-264-5578.
Tips for Using your Debit MasterCard:
- Keep track of your card.
Your Debit Card is a direct link to your money. Know where your card is at all times.
- Check your statements immediately.
Know what you spent and where so you can spot discrepancies.
- Sign your Debit Card as soon as you receive it.
- Know what's in your wallet.
Record card numbers, name of issuer and phone numbers of ALL cards in your wallet and keep it somewhere else.
- Memorize your personal identification number, PIN.
Don't write it down, give it out or carry in your wallet.
- Be aware of your surroundings when using your card.
Always shield the screen at an ATM or the merchant's counter.
- Deduct your purchases from your checking account immediately.
Keep your checking account balance up to date.
- Protect your card from damage.
Magnetic fields or excessive heat could deactivate the magnetic strip on your card.
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