MasterMoney Debit Card

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.

• No monthly or annual service fee
• Unlimited number of purchases at merchants displaying the MasterCard logo
• Unlimited number of ATM transactions

What can you do with your MasterMoney Debit Card?

• Withdraw or deposit funds at an ATM
• Check account balances
• Access to your accounts 24-hours a day, 7-days a week
• Make an unlimited number of ATM withdrawals
• Make an unlimited number of purchases at any merchant displaying the MasterCard logo

Avoiding surcharge fees is as simple as 1, 2, 3

1. Look for the Privileged Status logo on ATMs. ATMs displaying this logo will not charge you a fee to use.
   
   
   Find a Privileged Status ATMs near you
   
   Search Tip: Do not limit your search to a city name if you live in a large metro-area. Search by your state to include all suburbs and surrounding cities in alphabetical order
   
   
2. Use your debit card at merchants that offer a "CASH BACK" option.
3. Reduce your need to carry cash. Get in the habit of using your debit card for purchases

Apply for a debit card

Learn how to protect your debit card while shopping online with MasterCard SecureCode

Lost or Stolen Debit Cards

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 Shirley.

Cardholder's Name:
Cardholder Address:
Member Number:
Telephone Daytime:
Telephone Evening:
Card Number:
Transaction Amount
Purchase Date: 
Merchant Name:
Transaction Date:
Dollar Amount:
What efforts have been made in attempt to resolve dispute:
Explanation of why charge is being disputed:

Choosing Debit or Credit When Paying Electronically

Your Premier Credit Union MasterMoney Debit Card displays the MasterCard® logo,
enabling you to use your card anywhere MasterCard is accepted. However, there are two ways to use your Premier MasterMoney Debit Card - as a credit card, or as a debit card. So what's the difference?

When used as a Debit card (PIN Based):

• You enter your four-digit PIN to complete the transaction
• You can access a limit of $510 per day.
• The merchant charges the credit union a fee for each transaction.

When used as a Credit card (Signature Based):

• You swipe your card and sign the receipt.
•  You have access to all the available funds in your account.
•  The credit union receives some income from the ATM Network for this transaction.
•  You have far more consumer protection rights when used as a credit card.

So, the next time you make a purchase, say, "Credit" when using your Premier
MasterMoney Debit Card. It's better for you and better for your Credit Union!