Debit Cards

Take your money with you wherever you go.

The DFCU Financial debit Mastercard® makes purchases easy and cash transactions efficient.

Enjoy these benefits with a DFCU Financial debit Mastercard:

  • Peace of mind - With Mastercard's Zero Liability Protection for unauthorized transactions.
  • Safety - It eliminates the need to carry cash or your checkbook.
  • Fast transactions - No need to write checks or verify your ID. Just swipe your card. Funds are withdrawn directly from your checking account. It's just like an electronic check!
  • Payment type options - Choose from PIN- or signature-based transactions (you will need to choose the "credit" option at the point of sale). Signature-based transactions are protected by Mastercard and helpful in the event of a dispute.
  • Convenience - Shop at home either online or over the phone. Use your card outside the US to make cash withdrawals or purchases.
  • Easy record keeping - Payee information shows up in downloads to your favorite personal financial software, such as Quicken.
  • Earn Cash Back for choosing us for your everyday banking needs​.
  • Access even more free benefits from Mastercard in your Guide to Benefits

Contactless Capability

As of September 1, 2021, all new and replacement DFCU debit Mastercards will offer contactless capability. That means you will be able to "tap & pay" at participating merchants, just like you do with your DFCU Platinum Mastercard credit card. Contactless payment is easy, safe, and secure. 

How to use contactless payment:

  • Look for the Near Field Communication symbol at the merchant's payment terminal at checkout. 
  • If they have it, hold the card within one to two inches of the contactless symbol when prompted.
  • If your purchase is approved, you’ll receive confirmation—typically a beep, green light, or check mark.

If you suspect fraud on your card...we can help.

Follow the links below to see how we actively protect your card and transactions, and how to report potential fraud.

Mastercard Debit Card Disputes/Fraud and FAQ
Mastercard Debit Card Security and Fraud Protection 

No. There's no fee to use the debit card to make a purchase. It's a fast and simple way to pay from your checking account.

Yes. Your DFCU Financial debit card has a spending limit of $5,000 per day. The spending limit is equal to the available balance in your Checking Account minus outstanding purchases that have not posted. This spending limit is applicable provided those funds are available in your account. 

There are two types of debit card transactions: the 'debit' option requires you to enter your Personal Identification Number (PIN) to complete your transaction; the 'credit' option requires your signature.
DEBIT Option: When you pay for a purchase, the clerk will ask, 'debit or credit?' When you select the 'debit' option, you must enter your PIN after the card has been swiped through a point of sale terminal. With PIN transactions, funds are withdrawn from your checking account when the transaction occurs.
 NOTE: The debit option must be selected if you wish to get cash back from the merchant at the time of transaction.
CREDIT Option: When you select the 'credit' option, it becomes a 'signature transaction.' You may be asked to sign or enter your PIN to verify the transaction; you may not need to do either. With a signature transaction, funds are held in your checking account at the time of purchase until the transaction posts to your account in one to three days.

Report a lost or stolen card to DFCU Financial immediately. Please call us at 888.336.2700 during normal business hours (M-F 8am-6pm; Sat 9:30am-2pm), or if it's after hours, you can call 833.448.0024. To protect your card from unauthorized use, memorize your PIN, and don't keep the PIN with your card.

There are no fees when you use your card at ATMs owned by DFCU Financial, and most retailers do not charge a fee. However, when you use your cards at ATMs from other financial institutions, there may be a small fee. See our Fee Schedule.

Your DFCU Financial debit card gives you access to your funds at DFCU Financial ATMs, any ATM that accepts cards from Mastercard®, NYCE®, CO-OP Network® and most retailers.

Fee-free ATM deposits/withdrawals can be made at DFCU Financial ATMs or at more than 1,700 fee-free ATMs in Michigan, and nearly 30,000 nationwide, via the CO-OP ATM Network.

You can withdraw up to $500 per day, provided the funds are available in your account.

DFCU employs the most advanced fraud detection and prevention technology to guard members’ credit and debit accounts against unauthorized access and use. While fraud happens, our security team contacts members when we observe unusual account activity whenever possible to determine whether the transaction activity is authorized. This is just one reason why it’s important to keep your contact information updated with us. 

We strongly recommend members to monitor and check their accounts and transactions to look for any unauthorized activity or purchases, and notify us immediately.

  • Please complete the Cardholder Fraud Form here.
  • Return the completed form in person or via fax to 313.322.8460. 
  • You will receive reimbursement for unauthorized activity that occurs due to a compromise, as long as the activity is reported within 60 days from the first periodic statement that is sent to you on which the unauthorized transaction has appeared. 
  • While you are not liable for fraudulent charges, it may take up to ten business days (from the receipt of the form) to refund your account, especially in instances where a large number of our members’ cards have been compromised. This may affect the available balance on your checking account and could result in items being returned if the resulting balance is insufficient.

As a Mastercard cardholder, Zero Liability applies to your purchases. To learn more, visit

DFCU Financial Debit cards are issued by DFCU Financial, pursuant to a license by Mastercard® International Incorporated.