Ideal MasterCard® 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 into 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 mastercard.us/zero-liability for more details.