With the debit MasterCard, you have direct access to your account balances around the clock.

IRFCU makes it easy to make purchases. Easy access to your money with just a swipe of a card. Whether you’re making a purchase at your local store or just need to get cash from an ATM, you can do that with a
MasterCard Debit card at IRFCU.

Important Numbers

Audio PIN Change
1-833-801-0375

Lost/Stolen Card
1-833-933-1681

Benefits of Debit Cards

MasterCard is accepted virtually anywhere
Make purchases anytime
Direct Access to your account balance
More widely accepted than checks
Make ATM withdrawals
Access 247 with our mobile app

Travel Notifications

When you use your debit card outside of your “normal area” it could be flagged as fraud and your card locked. If you are planning to travel, please contact the credit union to ensure you have uninterrupted access to your money!

Instant Issue

IRFCU offers Instant Issue debit cards!
If you’re in need of a new card in a hurry, call the us and ask about Instant Issue!

Mobile Wallet

Don’t carry around a bulky wallet! Add your IRFCU Debit Card to your phones mobile wallet!

Touchless Pay

When using your mobile wallet, you can use touchless pay wherever you see the touchless icon! Gas pumps, stores, and more!

Safe Shopping

Your mobile wallet uses double encryption technology to hide your personal data, creating a safer shopping experience, even online!

Mobile Card Controls

Easily access your debit card via our Mobile App.
View transactions, enable transaction alerts, and even
lock and unlock your card if needed!
Download our Mobile App to use the card controls!

Mobile Card Control Guide

Debit Card Round Up
Save With Every Swipe!

When you use your debit card, the transaction is rounded up to the nearest dollar, and the increased amount is then
transferred to the account of your choice!

The funds transferred to the account of your choice come from “rounding up” debit card purchases. These are funded by the member NOT the credit union.

The round up process is NOT posted immediately, on a per-transaction basis. The round up amount for ALL debit card transactions will be posted in a single transfer at the end of the day.

Example: If you go to Macy’s and spend $94.73, the transaction that posts to your account will be exactly $94.73, NOT $95.00. At the end of the day, that extra 27 cents (along with any other amounts calculated on other purchases throughout the day) will be transferred from your checking to your savings account (or account of your choice).

If the transaction is reversed, this will have NO effect on the transfer, even if the reversal was done the same day as the transaction. Funds are transferred only if they are available. Round up transfers will not cause the account to post to a negative balance nor post below available funds. There are no catch-up transfers.

MASTERCARD ^Ⓡ ID THEFT PROTECTION ^™

Did you know that identity thieves stole over $1.9 billion in 2019?*
*2019 Consumer Sentinel Network Data book, Federal Trade Commission

Mastercard offers world class identity protection to their cardholders.

Safety and security at no extra cost to you!

With your IRFCU debit Mastercard, you have access to Mastercards’ ID Theft Protection^™

What You Can Expect:

Identity Monitoring

Mastercards’ digital security experts comb through the internet’s deepest depths, searching for potentially damaging use of your personal data and accessing your risk level.

Alerts

You will be alerted if suspicious activity is detected, giving you the opportunity to immediately take action to minimize any negative impact. Their experts will track personal information of your choosing such as your name, email address, social security number, date of birth, debit card numbers, etc.

Find Out More Here!

Resolution

If your identity has been compromised, security experts will assist you as you work through resolving the issues including submitting all information to the proper authorities on your behalf.

ATM Locations

We have an ATM at our Main Branch at 199 North Main Street in Athens. You can also find our second ATM at Sopranos Italian Market located at 607 Cayuta Ave, Waverly NY 14892.
Click the link below for surcharge-free ATM locations!

ATM Locator

Debit Card