With the MyCU66 MasterCard® Debit Card, you have the convenience of making purchases without the hassle of writing checks.
It’s NOT a credit card. It’s our debit card – a much easier way to use your checking account.
That’s right! You can leave your checkbook at home because you can use the MyCU66 Debit Card to make purchases worldwide—anywhere you see the MasterCard® logo. That’s more than 13 million retail merchants, including service stations, grocery stores, theaters, ticket outlets, restaurants, florists, and many others. The amount of your transaction is automatically deducted from your IBEW LU 66 Federal Credit Union checking account.
The MyCU66 Debit Card is the perfect way to pay! It’s faster and easier than writing a check and it’s a lot safer than carrying cash. Every purchase you make comes with a receipt for your records and is listed on your monthly checking account statement.
Credit unions also differ from banks and other financial institutions in that those who have accounts in the credit union are its members and owners; they elect their board of directors in a one-person-one-vote system regardless of the amount invested. Credit unions are democratically operated by the membership, allowing account holders an equal say in how the credit union is operated, regardless of how much they have invested in the credit union. So you, the membership, decides who it will serve!
And It's your ATM card!
The MyCU66 Debit Card also works like a regular ATM card, allowing you to get quick cash, check balances and transfer funds at over 30,000 ATM’s Nationwide!
The card itself is free! All purchases you make with the card are free of any domestic transaction fee (International Service Fees may apply). All transactions at a Co-Op Network of ATM’s is free. Transactions at non-Co-Op ATMs are subject to a nominal fee and possible surcharge imposed by the owner of the ATM.
Your MyCU66 Debit Card will come with a random system-generated PIN (Personal Identification Number). You can stop by our office to customize the PIN, if you wish, at no additional cost.
Help Us Help You Prevent Debit Card Fraud
MONITORING YOUR ACCOUNTS and FOLLOWING OTHER STEPS CAN
HELP YOU AVOID DEBIT CARD FRAUD
Debit card fraud can happen to almost anyone. While it is difficult to protect yourself completely, we are working very hard to make sure that you are completely protected. We have the most up-to-date technology to help protect our members’ cards and their accounts and have several tools in place that are designed to protect you from debit card fraud. But we are also asking for your help to protect your card.
As a card user, there are very important steps you can take to prevent fraud such as getting into the habit of checking your accounts regularly. You should check every transaction to make sure you recognize it and that it was a transaction you authorized. It is very important that look at each transaction and not just large transactions. Some fraudsters will target small amounts in a number of different accounts.
It Is Also Very Important That You Contact Us If You Find Any Suspicious Activity On Your Account.
Here are some additional tips for protecting your credit and debit cards:
- If you use your card at an unusual location from your normal activity, your card may be declined. Geographic limitations are often put on cards as a safeguard and more detail can be provided to you if you call and tell us you are traveling outside of the area.
- If your card is declined when you perform a signature-based transaction, try running the transaction again using your PIN. The transaction may have been declined as a security precaution restricting transactions with your card.
- Sign up for e-Alerts in MyCU66 Online that will inform you when transactions occur on your account.
- Update your contact information with the Credit Union. We are unable to contact you about a suspicious charge unless we have your current phone number and email address.
- Call the 24-Hour Member Support Lost, Stolen or Compromised Debit Card Hotline number from our website and keep this number in a separate location.
- Avoid using ATMs that appear dirty or in disrepair; these ATMs may be fake machines set up to capture card information.
- Do not use ATMs with unusual signage, such as a command to enter your PIN twice to complete a transaction.
- Watch out for ATMs that appear to have been altered. If anything on the front of the machine looks crooked, loose or damaged, it could be a sign that someone attached a skimming device.
- Avoid using the ATM if suspicious individuals are standing nearby. Criminals may try to distract you as you use the machine to steal your cash, or watch as you type your PIN.
- As you key in your PIN, cover the keypad with your other hand to block anyone, or a camera, from viewing the numbers you type.
