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MasterCard Debit/ATM General Information

  • My Debit/ATM Card has a MasterCard logo on the front. What does that mean?
  • How is a Debit Card different from a Credit Card?
  • How do I activate my Debit/ATM Card?
  • Can I change my PIN?
  • How soon after I change my PIN, will it be effective?
  • What if I forget my Personal Identification Number (PIN)?
  • When can I access the funds in my account?
  • What is the daily cutoff time for Debit/ATM Card transactions?
  • Will there be a charge / transaction fee to use my ATM card?
  • Is there a charge / transaction fee to use my MasterCard Debit Card
  • What fees from Central Bank are associated with my Debit Card/ATM Card?
  • Where can I use my Debit Card?
  • Can I use my Debit Card in foreign countries?
  • Can I pay my bills with my Debit Card?
  • What is an authorization?
  • What could cause a pending transaction or authorization amount to be different from my actual purchase amount?
  • When will the actual purchase amount replace the pending amount and be posted to my account?
  • How do I keep track of purchases I make with my Debit Card?
  • If I swipe my Debit Card at a keypad in a store, which button should I press – “credit” or “debit”?
  • What is a non-PIN purchase?
  • Can I convert my ATM Card to a Debit Card?
  • What should I do if my Debit/ATM Card is lost or stolen?
  • Is it safe to carry and use my MasterCard Debit Card?
  • Is it safe to use my Debit Card to make purchases on the Internet or over the phone?
  • What if someone else tries to use my Debit Card?
  • How does Fraud Prevention work?
  • How does Zero Liability protection work?