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Online Banking
Visa Debit Cards
Debit Cards
With our debit card, writing checks is a thing of the past. The debit comes directly from your account, and if you have a return, your account is usually credited within 48 hours. There is no card fee and no annual fee!
Your debit card can also be used to make cash withdrawals from ATMs. Members Choice does not charge ATM fees for withdrawing money at foreign ATMs (non-Members Choice ATMs). However, withdrawals made from foreign ATMs may be subject to fees charged by those ATMs. View our ATM Locations to find other ATMs that are surcharge-free as well.
Daily Limits:
ATM limit: $505.00
POS (Point of Sale) transaction limit: $1,000.00
Prior to making a large dollar purchase, call the credit union at (304) 346-5242 or Toll-Free (800) 526-5242, or submit a message through NTouch24 as these limits may be temporarily increased. You will need your card number and total purchase amount.
EMV chip
Your debit card now includes the latest chip technology which provides an added layer of security and greater protection against fraud for purchases made at the point-of-sale (POS). Information programmed into the chip is personalized for your account and each transaction is unique, adding a new safeguard against fraud. Your card continues to have the traditional magnetic stripe on the back, allowing you to use it at merchants without chip-enabled terminals.
Contactless cards are coming soon!
Lost or Stolen Debit Cards
Call the credit union at (304) 346-5242 or Toll-Free (800) 526-5242 and press option 5 for debit cards, followed by option 2 for debit cards.
Traveling With Your Debit Card
Due to certain restrictions in place to protect your account, out-of-state transactions may be flagged as suspicious and prevent you from making purchases. All debit card transactions taking place through international providers are automatically blocked for security. This protection also includes out-of-state gas station purchases. If one of our debit cards is used at an out-of-state gas station without a PIN, it will be blocked.
Prior to your trip, call the credit union at (304) 346-5242 or Toll-Free (800) 526-5242, or submit a message through NTouch24, including the dates you will be traveling and any countries you will be traveling to so your debit card can be authorized for out of town use.
You must also first contact the credit union before using your debit card at a car rental agency. Certain restrictions are in place that will not allow you to use your debit card at such locations.
Call the credit union at (304) 346-5242 or Toll-Free (800) 526-5242 prior to using your debit card at a car rental agency with the amount of the car rental in order for these restrictions to be released for you.
After-Hours Debit Card Call Center
Our after-hours debit card call center is able to assist with travel settings, temporary limit increases of up to $3,000.00, lost/stolen cards, and PIN try resets.
The debit card call center may ask for some or all of the following information:
Full name as it appears on the card
Expiration date on the card
Date, dollar amount, and merchant name of a posted transaction made within the last 30 days
Last 4 digits of the checking account connected to the card
Current address including zip code associated with the card
Last 4 digits of the member’s SSN
If applicable, dates and states or countries you may be traveling to
Restrictions with Your Debit Card
Due to certain restrictions in place to protect your account, transactions may be flagged as suspicious and prevent you from making purchases. The MCWV fraud team will try to contact you if a transaction is suspected as fraud, so we ask you to always make sure your contact information is up-to-date. All debit card transactions taking place through international providers are automatically blocked for security.
Prior to traveling out of the country, call the credit union at (304) 346-5242 or Toll-Free (800) 526-5242, or submit a message through NTouch24, including the dates you will be traveling and any countries you will be traveling to so your debit card can be authorized for out of town use.
Debit Card Support
Card activation, cancelation of lost/stolen cards, and assistance with fraud cases and disputes are available after our regular business hours. We ask that you contact our office for travel settings and/or limit changes during our regular business hours, Monday – Friday 8:00 a.m. – 5:00 p.m., and Thursdays 8:00 a.m. – 6:00 p.m.
Call the credit union at (304) 346-5242 or Toll-Free (800) 526-5242 for debit card support.
Expiring Debit Cards
You will automatically be mailed a new debit card before your current debit card’s expiration. Your expiring debit card will remain active and good to use until the end of the month that it is expiring. Do not discard your expiring debit card until you receive your new debit card. Upon receiving your new debit card, then shred your old/expired debit card.
