It's like writing a check, but you enjoy all the convenience of using a credit card. Purchases made with your Debit card are deducted directly from your checking account.
Your Premier ATM card acts as a debit card at ATM locations and can be linked to both your checking and savings accounts.
Note: ATM Debit Card does not have point-of-sale functionality and can only be used at ATM locations.
Transactions conducted at the Premier Credit Union ATM located at the main branch downtown are free and do not count towards the 15 transactions.
Minimum Age Requirement for Debit Card and ATM Debit Card: Individual account holders must be at least 18 years of age. If under 18, but no younger than 16, an adult (who will be responsible for all debit card transactions) must sign as a joint owner.
Learn how to protect your debit card while shopping online with MasterCard SecureCode
Call (800) 234-5354 as soon as you realize your card is lost or stolen. We'll cancel it immediately and order you a replacement card.
Disputing a Debit Card Charge
Prior to filing a Credit or Debit Card dispute with Premier Credit Union, you will want to first contact the merchant and attempt to resolve the transaction dispute with them directly. If no resolution can be made with the merchant, you will then want to file a written dispute with MasterCard ® by submitting an email to the credit union with the information listed below. If you have any questions regarding this process, contact the Credit Union at 515-282-1611 and ask to speak with Shawn.
What efforts have been made in attempt to resolve dispute:
Explanation of why charge is being disputed:
Due to the fees associated with PIN-based debit transactions, Premier Credit Union is asking our members to use the Pen or signature-based transaction when using their Premier Debit Card. Your card bears the MasterCard® logo and can be used as a signature-based transaction wherever MasterCard® is accepted.
When used as a Debit card (PIN-Based):
When used as a Credit card (Signature-Based):
Transactions conducted at the Premier Credit Union ATM located at the main branch downtown are free and do not count towards the 15 transactions. Deposit and balance inquires do not count as a transaction.
So, the next time you make a purchase, say or select “Credit” when using your Premier Debit Card. It’s at no charge to you and better for your Credit Union!