Ideal Debit MasterCard®

Ideal Blue Rewards VISA

Free with Ideal Checking

Secure EMV Chip Technology

Perfect for everyday spending

In-store, online, on-the-go or out of town - you can count on your Ideal Debit Card.


Your trusted companion for any purchase

From small purchases to large, or even the unexpected, your Ideal Debit Card keeps you in control.

Convenient access to your money

Keep cash light

Using your debit card is a great way to eliminate the need for cash on-hand and saves you time by skipping the trip to the ATM.

Access to a large ATM Network

For those cash only situations, your debit card gives you access to thousands of surcharge-free* ATMs nationwide using the MoneyPass and CO-OP ATM Networks.

Easily track transactions

Your Ideal Debit Card pulls funds directly from your Ideal Checking Account. That means every transaction is easily trackable using Ideal Digital Banking or the convenient Ideal Mobile Banking App.

Your card protects you

All Ideal Debit Cards come with secure EMV-Chip Technology and built-in fraud protection. If your card is ever lost or stolen, you're protected with Zero Liability** meaning you won't be held liable for unauthorized purchases.

Request an Ideal Debit Card

Current Ideal Checking Accountholders

If you already have an Ideal Checking Account but still need a card, you can visit any Ideal CU branch and walk out with your new card that same day. If you need a card mailed to you, simply contact us at 651-770-7000 during business hours and a representative can assist you.

What if you don't have an Ideal Checking Account?

Like the sounds of this great debit card but don't have an Ideal Checking Account yet? Don't worry, we're here to help. We've made it easy to open your Ideal Checking Account online. You can also stop in to any Ideal CU branch and a representative will help you get started.

Open an account

Make an appointment

Ideal Debit MasterCard



Upgrade your debit card


MasterCard® Guide to Benefits

*Ideal CU withdrawal charges may still apply on Free and Relationship Checking accounts.

**Certain restrictions apply. Please see www.mastercard.us/zero-liability.html for more details.

2020 - 21 Holiday Hours

Martin Luther King, Jr. Day

Monday, January 20th
All locations closed.

President's Day
Monday, February 17th
All locations closed.

Good Friday
Friday, April 10th
All locations open regular business hours
Lobby - 9:00 a.m. to 5:00 p.m.
Drive-thru - 9:00 a.m. to 5:30 p.m.

Memorial Day
Monday, May 25th
All locations closed.

Independence Day
Saturday, July 4th
All locations closed.

Labor Day
Monday, September 7th
All locations closed.

Columbus Day
Monday, October 12th
All locations closed.

Veterans Day
Wednesday, November 11th
All locations closed

Thanksgiving Day
Thursday, November 26th
All locations closed.

Day after Thanksgiving
All locations are open regular business hours
Lobby - 9:00 a.m. to 5:00 p.m.
Drive-thru - 9:00 a.m. to 5:30 p.m.

Christmas Eve
Thursday, December 24th
All locations open until 1:00 p.m.
Lobby - 9:00 a.m. to 1:00 p.m.
Drive-thru - 9:00 a.m. to 1:00 p.m.

Christmas Day
Friday, December 25th
All locations closed.

New Year's Eve
Thursday, December 31
All locations open regular business hours
Lobby - 9:00 a.m. to 5:00 p.m.
Drive-thru - 9:00 a.m. to 5:30 p.m.

New Years Day (2021)
Friday, January 1st
All locations closed