Debit Card Mastercard^®

Tap. Earn. Repeat. Every ITCU checking account comes with a free Debit Mastercard^®—yep, the kind you can use 24/7 to shop, pay bills, and flex at checkout anywhere Mastercard^® is accepted. Tap or swipe to pay - your choice.

Need cash? Hit up any ITCU ATM with zero fees. Or choose from another 30,000+ surcharge-free, non-ITCU, ATMs nationwide.

And here’s the real win: With uChoose Rewards^®, you’ll earn points on every dollar you spend (0.5 points per $1). Use ’em for cash back, Amazon.com buys, or other cool stuff. It's like your ITCU debit card is low-key your new favorite side hustle. (Note: not applicable to InTouch youth or HSA debit cards.)

Your Debit Card, But Smarter. Peace of mind? Yeah, that comes standard. But, when you use your ITCU debit card Mastercard^®, you’re rolling with next-level perks:

Extended Warranty: Doubles the original manufacturer's warranty (up to a year).
Price Protection: Find a lower price within 120 days of buying? Get that difference refunded.
Satisfaction Guarantee: Didn’t love what you bought? Get up to $250 back within 60 days.

For all the fine print or to file a claim, just hit up Mastercard at 800-999-5567.

ID Theft? Not on Our Watch. You’ve also got Mastercard ID Theft Resolution Services ready to step in—helping with things like card replacement and recovery if your identity ever gets compromised. And yes, your debit card comes with Zero Liability for unauthorized charges. If your card is lost or stolen, you won’t be held responsible—even for ATM or PIN-based transactions.

Lost Your Card? Let’s Not Panic. If your card’s gone for good, call us ASAP at 1-800-337-3328 and we’ll block it right away. But if you think it’s just hiding in yesterday’s jeans or your car cupholder? Use our Digital Banking app to temporarily pause your card (look for the “Cards” icon). Find it? Turn it back on. Don’t? No worries—we’ll help you order a new one. (Pro tip: You can do the same with your ITCU credit card in the Digital Banking app, too.)

Need help after hours? We’ve got 24/7 support at: 1-800-773-1016 (U.S) or 1-614-564-3074. Or skip the call and fill out our quick, online Lost/Stolen Card form. Card PIN not working? Call us at 1-800-337-3328 and we'll sort it out - fast.

For a complete list of Debit Card benefits, click here.

Every ITCU Debit Card Transaction Is A Donation to Local Food Banks

Learn More about How You can Help just by Using Your Debit Card

Debit Card Lost or Stolen?

If your debit card goes missing, don't panic.

Reach out to the ITCU team by filling out this form.

My Cards Manages Your Debit Card with Ease

Your Debit Card, Your Rules. Your ITCU debit card already makes spending and withdrawing easy—now it makes control just as simple. Meet My Cards, your go-to tool inside the ITCU Digital Banking app. Just tap the “Cards” icon and you’re instantly in charge. Misplace your card? Flip it off with one tap. Find it later? Flip it right back on. You can also set up alerts, manage how and where your card gets used, and keep an eye on what matters most—your money.

Haven’t downloaded the mobile Digital Banking app yet? Learn more or grab it from the app store and take control anytime, anywhere!

Don't Forget: Apple Pay^®, Google Pay™ and Samsung Pay™!

Tap. Pay. Go. Make life a little easier by adding your ITCU debit card to Apple Pay®, Google Pay™, or Samsung Pay™. Just download the app that fits your device, set your ITCU card as the go-to, and you’re ready to tap and pay wherever it’s accepted. Fast, secure, and totally contactless!

Mastercard^® SecureCode

ITCU debit card users will receive the following authentication prompts if an online transaction is flagged for authentication:

Authentication Request

If you make, an online purchase using your debit card with a merchant that utilizes Mastercard^® SecureCode services, you may encounter an authentication prompt after submitting your payment. This security step will require you to either enter a unique, one-time passcode—delivered via text message to your registered mobile number—or respond to previously-selected security questions. Once successfully completed, you will be able to proceed and finalize your transaction.

Failed Authentication Request

If you attempt to make an online purchase using your debit card with a merchant that utilizes Mastercard^® SecureCode and the transaction is not completed, it may be flagged as high risk. This typically occurs when the purchase is considered unusual or does not align with your typical transaction history, which can indicate potential fraud. In such cases, you will see a message stating that the transaction has been identified as “high risk” and could not be authenticated through the Mastercard^® SecureCode service. For your security, the authentication process will not proceed. To resolve this matter and complete your purchase, please contact us at (800) 337-3328 for assistance.

More ITCU Information

For lost or stolen ATM and Mastercard^® Debit Cards, please contact us to report the loss and immediately block your card.

Report Lost/Stolen Card

See the latest information regarding current scams and other fraud trends.

View Fraud Alerts

Earn cash back and more just by using your ITCU debit card (not available to youth accounts). Explore uChoose Rewards^® now!

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(Effective Saturday, March 5, 2022, Mastercard^® has suspended all Russia operations. Any Mastercard issued by a financial institution in the United States will no longer work within the Russian Federation. For further information please click here for Mastercard's statement)