Ideal Debit Cards
Convenience You'll Love
All members with an Ideal Checking account will enjoy the benefits of a free Ideal CU EMV Enhanced Debit MasterCard™. Members also have the choice to upgrade to an Ideal Debit Rewards Platinum or Gold Card to receive even more value from their Ideal Debit Card.
Free Ideal Debit
Enjoy secure, convenient purchases at millions of locations both in-person and online. Plus take advantage of a suite of MasterCard™ benefits including Zero Liability*.
Ideal Debit Rewards
Upgrade to Ideal Debit Rewards Platinum or Gold cards to enjoy even more value-added benefits including cashback, prescription & travel discounts and more.
A Convenient Way to Pay
- Accepted at millions of locations
- Free access to your money at Ideal CU ATMs and ATMs within CO-OP and MoneyPass networks
- Shop online, at stores and even over the phone
- Monitor spending easily with Online and Mobile Banking
- Zero Liablility meaning you won't be held liable for unauthorized purchases
- We monitor unusual activity to alert you to debit card fraud
- 24 hour cardholder service in case of a lost or stolen card
Ideal Debit MasterCard™ Benefits
File a claim or get more information
To file a claim or for more information on any of the services below, call the MasterCard Assistance Center at 1-800-Mastercard (627-8372).
MasterCard Global Service™
Receive around-the-clock customer service assistance with Lost and Stolen Card Reporting, Emergency Card Replacement, Emergency Cash Advance, as well as assistance with locating ATMs and help with card-related questions.
MasterCard Identity Theft Resolution Services
MasterCard is the only payment brand that provides its U.S. cardholders with services - at no extra cost - to help you detect and resolve identity theft.
You pay only for the purchases you have authorized on your MasterCard card, and you won't be held liable in the event of an unauthorized purchase. This coverage extends to purchases made in stores, over the phone, or online.
MasterCard Airport Concierge™
Arrange for a personal, dedicated Meet and Greet agent to escort you through the airport on departure, arrival or any connecting flights, 24/7/365 at over 450 destinations worldwide.
Extended Warranty Insurance
Doubles the time period and duplicates the coverage of the original manufacturer's or U.S. store brand warranty for a maximum of one year.
If you find a lower price within 60 days of purchase, Price Protection guarantees you the best price on products purchased with an eligible card by refunding the difference.
Provides up to $250 per product, if you become dissatisfied with the product within 60 days of purchase and the merchant will not accept a return.
*Certain restrictions apply. Please see www.mastercard.us/zero-liability.html for more details.
1. See the MasterCard® Guide to Benefits for Debit Cardholders for full Terms & Conditions.