In the event of a disaster, please contact 1-877-CULOCATE, or, 1-877-285-6228 for more information regarding Metropolitan Federal Credit Union. This number will be an information outlet for our members so that they know the status of the credit union in case of an emergency.

Experience the Convenience of a Metropolitan Federal Credit Union Debit MasterCard

Debit cards are also known as check cards. Debit cards look like credit cards or ATM cards, but operate like cash or a personal check. Debit cards are different from credit cards. While a credit card is a way to “pay later,” a debit card is a way to “pay now.” When you use a debit card, your money is quickly deducted from your checking or savings account. 

Debit cards are accepted at many locations, including grocery stores, retail stores, gas stations and restaurants. You can use your card anywhere merchants display the MasterCard name or logo. Debit cards offer a great alternative to carrying a checkbook or cash. 

Obtaining a debit card is often easier than obtaining a credit card.

Using a debit card instead of writing checks saves you from showing identification or giving out personal information at the time of the transaction.

Using a debit card frees you from carrying cash or a checkbook.

Using a debit card means you no longer have to stock up on traveler's checks or cash when you travel.

Debit cards may be more readily accepted by merchants than checks, especially in other states or countries wherever your card brand is accepted.

The debit card is a quick, “pay now” product, giving you no grace period.

Using a debit card may mean you have less protection than with a credit card purchase for items which are never delivered, are defective, or were misrepresented. But, as with credit cards, you may dispute unauthorized charges or other mistakes within 60 days. You should contact the card issuer if a problem cannot be resolved with the merchant.

Returning goods or canceling services purchased with a debit card is treated as if the purchase were made with cash or a check. 

Seven Tips for Responsible Debit Card Use

1. If your card is lost or stolen, report the loss immediately to Metropolitan Federal Credit Union.

2. If you suspect your card is being fraudulently used, report it immediately to your Metropolitan Federal Credit Union.

3. Hold onto your receipts from your debit card transactions. A thief may get your name and debit card number from a receipt and order goods by mail or over the telephone. Your card does not have to be missing in order for it to be misused.

4. If you have a PIN, memorize it. Do not keep your PIN with your card. Also, don't choose a PIN that a smart thief could figure out, such as your phone number or birthday.

5. Never give your PIN to anyone. Keep your PIN private.

6. Always know how much money you have available in your account. Don’t forget that your debit card may allow you to access money that you have set aside to cover a check which has not cleared your bank yet.

Keep your receipts in one place -- for easy retrieval and better oversight of your bank account.