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Debit Cards

NCACU offers the MasterCard Debit Card to members free of charge.

Using a debit MasterCard to manage your finances is more convenient than using checks because funds are immediately deducted from your share draft account. Having an electronic record of every transaction the moment you make it can be a real time saver, and makes keeping track of what you spend a snap.

Debit MasterCard is accepted at millions of merchant locations worldwide, including restaurants, hotels and online retailers. You can even use debit MasterCard to automatically pay monthly bills.

Whether you use debit MasterCard to shop online, by phone or in a store, every purchase is backed by Zero Liability protection*. That means you won’t be held responsible in the event that someone makes unauthorized purchases with your card.

* terms and limitations apply.

Register With Secure Code

NCACU members carrying MasterCards are advised to register with MasterCard SecureCode.  MasterCard SecureCode is a private code for your MasterCard account that gives you an additional layer of online shopping security. Only you know what your code is – retailers aren’t able to see it, so you can trust that your transactions get your approval every time.  Secure Code is driven by online merchants. Not all online companies utilize it, but the ones that do require the MasterCard cardholder to be enrolled in SecureCode and will deny a transaction without it. It really is just an extra level of security provided by these online companies and MasterCard.  Visit this website to enroll today: Secure Code

Remember as you get ready to shop for the holidays—some merchants will require that your card is enrolled in this program and will deny MasterCard purchases if you are not enrolled.