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Platinum Debit MasterCard®

Security in
every card

Our go-to debit card delivers every time.

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. This is on top of the MasterCard® SecureCode features that are already part of the card. At Credit Union ONE located in metro Detroit, Traverse City, Grand Rapids and beyond, we believe our Michigan members deserve a debit card that goes beyond the norm.

We'll help you get your Platinum Debit MasterCard®.
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Related resources

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?

Each debit card will come with an assigned PIN if ordered through the mail. Each PIN Mailer has an 800-number and a reference number. Call that 800-number, enter the reference number provided and when prompted enter your new PIN. Members who obtain their card instantly at a branch will be able to select there own PIN at that time.

How do I get a new Platinum Debit MasterCard?

Cash Back Checking Accounts:
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.

Basic Checking Accounts:
Replacement debit cards can be instant issued at the branch ONLY if the first debit card has been received via USPS mail; fee is $5.00.  Requests over the phone or via email/chat for replacement debit cards will be delivered via USPS mail; fee is $5.00.  Requests over the phone or via email/chat for Rush Order replacement debit cards will be delivered via FedEx ONLY if the first debit card has been received by USPS mail; fee is $30.00.

I did not receive my new PIN?

Visit a branch or call the Member Contact Center at 800-451-4292 to get all the details you need.

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 (888) 241-2510, 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 every 90 days. To reactivate your card, contact the Member Contact Center at 800-451-4292 or visit any Credit Union ONE branch.

How do debit card rewards work?

Once you open your Cash Back Checking account, you will be automatically enrolled in the Cash Back Rewards. You can begin earning points immediately. Cash Back rewards are earned by processing your Platinum Debit MasterCard as a "credit," which means you will sign for your transaction instead of using your PIN to complete the transaction. You will earn 1 point for every $2.00 spent.   When your point total reaches 3,500 you will be eligible to cash them in through Online Banking for a $25 reward.

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 $30.00 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, you will be notified by an automated phone message or called directly by our fraud monitoring department. If you have questions about notifications, please call 888-241-2440.