This one card will access your CES Credit Union account from any ATM as well as allow merchant or retail purchases to post to your share draft account. This quick, easy purchasing power eliminates the hassle of writing checks at stores. Now just use your MasterCard Check Card instead of writing a check. (Be sure to write the transaction in your checkbook register.)

There is no fee associated with this card unless you use the MasterMoney Check Card in "foreign" ATMs more than four times per month. "Foreign" transactions would include ATM transactions outside the Alliance One and CES Credit Union networks, and also any purchases at stores where you use your PIN.
Retailers may encourage PIN transactions (where you enter your personal code in leiu of a signature, like you were at an ATM). However, it is best to request purchases made with your Check Card to be a "credit" transaction, where a signature enhances your "zero liability" stand. Usually, the point-of-sale purchase terminals (like at most retailers) will ask for a code, but if you press "cancel", it will then ask for a signature.
Over four foreign ATM or PIN-based (non-signature) transactions per month for a card will have a fee of $1 per transaction.

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Convenience

CES Credit Union is proud to offer the benefits of the MasterMoney® Check Card (Debit Card) to our members. Now you can have easy and instant access to your share draft (checking) account and worldwide acceptance without the hassle of timely check approvals.

Speed

Use your MasterMoney® Check Card when you might normally write a check, like the grocery store or the hardware store, or anywhere MasterCard® is accepted. This card also works for you as an ATM card. You choose the personalized PIN number to use at any CES Credit Union or Alliance One ATMs with no charge or at any ATM that displays the MasterCard® logo. This card also may be used in Alliance One ATMs with no surcharge.

Safety

Anytime you use your MasterMoney® Check Card, your transaction will appear on your monthly statement with the date and location of the transaction. Purchases made with this card and authorized with a signature also protects your liability. This record also appears on ACCESS Online, our free internet banking service.

(If your card is lost or stolen, call 1-800-523-4175 anytime. Please call the Credit Union as soon as possible, as well.)

A Note on Identity Theft . . .

Protect your card wisely, and only give your card number to a vendor or merchant you know as reliable and honest. Never give your PIN to anyone. If you do, you are allowing that person access to your funds. No one from any financial institution will ever call asking for your account number to "protect' or "monitor" your account. Watch your statements closely for unauthorized transactions.

For safety and security reasons, your card has a daily limit for purchases and cash withdrawals, and debit transactions are not covered under our normal overdraft protection program.

Occasionally, you may receive a phone call to verify a specific purchase where your card was used. Typically, the called will ask you to confirm a specific purchase for a specific amount, like "Did you purchase tickets on Southwest Airlines today for $345". This process is to verify a purchase is authentic. Your card number or account number will NOT be requested.

Lost or Stolen Cards

To report lost or stolen cards when we are not open, please call 1.800.523.4175 (including the Star ATMCards).

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