SEFCU Debit Mastercard®

Overview

An easy way to pay or access your checking account

Use your free SEFCU Debit Mastercard® to pay for purchases, bills and recurring charges, and access your SEFCU Really Free  Checking account from 55,000+ fee-free* ATMs across the globe.

 

plane over globe


Use at

55,000+ fee-free* ATMs

in U.S., Canada, Mexico, Australia, United Kingdom, and Puerto Rico

Features and Benefits

Use instead of checks

  • Free with your SEFCU Checking account
  • Use for purchases wherever Mastercard® is accepted
  • Use to pay bills/recurring charges; transactions are free
  • Use to access your account at 55,000+ fee-free* ATMs, including Allpoint® and NYCE networks
  • If your debit card is lost or stolen, notify SEFCU (800-727-3328) and your liability for unauthorized use is $0**
  • If you’re traveling abroad, call 800-727-3328 to ensure your debit card will work where you’re going

 

credit card

 


Fees

Fees

Item SEFCU Fee New York State Bank/Credit Union average fee***
(as of July 2018)

Card Capture

$10

N/A

Deposit Correction

$7.50

N/A

Deposit of Empty Envelope

$15

N/A

Non-sufficient Funds (NSF)

$25

$33.02

Non-SEFCU ATM Balance Inquiry

$0.50

$1.46

Non-SEFCU ATM Withdrawal (includes POB Transactions)

$1.25

$2.26

Non-SEFCU ATM Withdrawal Attempt with NSF

$0.30

N/A

POS Transaction – NSF

$25

N/A

Replacement Card

$5

$7.29

Rush Replacement Card

$36

N/A

Withdrawals/Purchases Outside the U.S.

1% of transaction

N/A

*** New York bank/credit union average fees are accurate as of July 2018, and are published in New York Credit Union Association’s RateWatch.

See Bill Pay fees


Compare

See which account is best for you

SEFCU Debit Mastercard® 

  • Funds are directly debited from your Really Free  Checking account
  • Access current funds via ATM
  • Use wherever Mastercard is accepted
  • Access to virtual rewards at select stores
  • $0 interest payment (you only use the money you have)

 

SEFCU Lightning Credit Card®

  • Monthly bill to pay
  • Cash advance option (with additional interest payment)
  • Use wherever Mastercard® is accepted
  • 3% cash back on gas, 2% on groceries, 1% on all other purchases
  • Interest accrues on unpaid balances

Learn More

 


Apply Now

Order a SEFCU Debit Mastercard® today

Current SEFCU member?

Open Today

Not a member?

Join SEFCU

 

Visit a branch near you

Call 800-727-3328

 

SEFCU Debit Mastercard®

Keep Life Simple

SEFCU Debit mastercard

Use for bills or purchases

Fee-free ATM access*

 

View Debit Card

More to think about...

* SEFCU members are not required to pay a fee at Allpoint ATMs. If a charge screen appears during your Allpoint ATM transaction, enter “yes” to accept the charge and proceed with your withdrawal. The additional fee will not be deducted from your SEFCU account. The savings can be $3 or more per transaction. Please note, at international Allpoint ATMs, you will still be responsible for the Mastercard® Foreign Currency transaction fee.
** See  www.mastercard.us/zero-liability for details.