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Platinum Debit Mastercard®

Security in
every debit card purchase

Our go-to debit card delivers every time.

Cash Back Checking
Earn Cash Back Rewards for everyday purchases with your debit card 

Platinum-level convenience is yours.

When you open one of our checking accounts, we'll issue a Platinum Debit Mastercard® that gives you anytime access to your money. Plus, new EMV chip-enabled technology adds another level of authentication and security to protect against purchase fraud. At Credit Union ONE located in metro Detroit, Traverse City, Grand Rapids, Ann Arbor and beyond, we believe our Michigan members deserve a debit card that goes beyond the norm.


*Mastercard Guide to Benefits for Debit Cardholders. 

We'll help you get your Platinum Debit MasterCard®.
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How do I activate my Platinum Debit Mastercard?

Call the phone number on the sticker on the front of the new card or call Credit Union ONE Member Contact Center at 800-451-4292 or visit any Credit Union One branch.

How do I set my PIN?

To change your pin, call our PIN NOW number 888-886-0083 and follow the prompts.  Or visit any Credit Union ONE ATM.

How do I get a new Platinum Debit Mastercard?

Replacement debit cards can be instant-issued at the branch; fee is $5.00.  Requests over the phone or via email/chat for replacement debit cards will be delivered via USPS; fee is $5.00.  Requests over the phone, email/chat for Rush Order replacement debit cards will be delivered via FedEx; fee is $30.00.

Can I use my debit card when I go out of town?  

Yes, but you should inform Credit Union ONE with a Travel Notification.  Transactions are blocked when fraud is detected on your debit card and Travel Notifications inform us that you will be using your debit card out of state in the place and time specified. This prevents our fraud department from flagging your debit card transaction as fraudulent.  

You can complete a Travel Notification through Online Banking, by visiting a branch, or by calling the Member Contact Center at 800-451-4292.

How do I report a lost or stolen debit card?

You can call our Lost or Stolen Debit Card line at 866-537-1336, 24 hours, 7 days a week. This will put you in touch with Card Member Security. Use the automated system to report your lost or stolen card.

What do I do if my debit card is inactive? 

To avoid a debit card from becoming restricted due to inactivity, you must use the card at least once within a 12 month period. To reactivate your card, contact the Member Contact Center at 800-451-4292 or visit any Credit Union ONE branch.

I need to do a transaction with my debit card but the funds are not in my account.  Will it be paid?

You can allow premium overdraft to pay for everyday debit card purchases if funds are not available. You must be approved for this service, which can be added and removed at any time at your request.

How can I get overdraft protection on my checking account?

Members can opt in to REG E for overdraft protection for their debit card transactions. If funds are not available in the member's account when the card is swiped, the transaction will be approved and will overdraw the account for a $25.00 fee. Members can opt in or opt out at any time.

How does Credit Union ONE protect my debit card transactions from fraud?

  • Credit Union ONE is committed to protecting your accounts and monitors all debit transactions for fraud 24/7. If fraud or unusual activity is suspected, our automated  fraud alerts allow you to instantly respond to suspected fraud on your account via text, Digital Voice or email.

How many Reward Points will I earn for every dollar I spend?

Earn 1 point for every $3 spent with your Cash Back Checking Account Platinum Debit Card.

What can my Reward Points be redeemed for?

Rewards Points can be redeemed for merchandise, gift cards, travel services and cash.

Do my Rewards Points expire?

Points will accrue over four calendar years and will expire on a first-in-first-out basis annually; points earned in calendar year one will expire on the last day of the calendar year four.  Thus, points earned in 2021 will expire December 31, 2024; Points earned in 2022 will expire December 31, 2025.

How can I see and redeem my Rewards Points?

Check and redeem Debit Rewards points in Online or Mobile Banking through the Debit Rewards Widget.