Personal Accounts
Using your debit card
A Greater Iowa Credit Union debit card gives you flexibility. Use it to get cash from an ATM or to make purchases at most major retailers.
To help you understand the card's features, click on one of the topics:
» How can I use my card?
» Where can I use the card as an ATM card?
» How do I use the card to make purchases?
» How much are my daily limits?
» What do I do if I lose my card or it's stolen?
» What if I forget my PIN?
» How do I activate my card?
How can I use my card?
The Greater Iowa Debit MasterCard can be used to withdraw cash from ATM machines. It can also be used like a check to make purchases that are
directly deducted from your checking account, including online purchases.
Where can I use the Debit MasterCard as an ATM card?
In addition to the no-fee ATM machines owned by Greater Iowa, you can use your card in any ATM machine that accepts MasterCard® or
Shazam® cards. You can also avoid fees by using your Debit MasterCard at Privileged Status® ATMs.
How do I use the card to make purchases?
Using your Debit MasterCard® when you head out shopping is safer than carrying cash. There are two different ways to use the card that will
effect your daily spending limits and fees you may incur, depending on your account.
As a debit: If you choose to pay for your purchase using your card as debit, you'll be required to enter your four-digit PIN. The purchase also will be considered an ATM transaction. The purchase amount will be automatically deducted from your available checking account balance.
As a "credit" card: You have the option of using Debit MasterCard like a credit card and provide a signature to approve the purchase. Unlike a credit card, the approved purchase amount will be automatically deducted from your available checking account balance.
How much are my daily limits?
That depends on the type of the account. If you have Classic (S3), Premium (S4), Prestige (S5), Electronic Checking (S16) or a Business account,
there is a $210 maximum for pin-based and $3,000 for signature-based transactions. If you have an electronic debit checking account (S15), there
is a $60 maximum for pin-based and $250 maximum for signature-based transactions. All accounts are limited to 20 total daily transactions.
What do I do if I lose my card or it's stolen?
During business hours, notify Greater Iowa immediately at (800) 296-9064. If the credit union is closed, call (800) 528-2273.
What if I forget my PIN?
You'll need to bring your card into one of our seven branches to have the PIN changed, or call to have the PIN resent to you.
How do I activate my card?
Call 1-800-588-9970. You'll need to know the primary account holder's social security number to activate all cards. For business account
cards, you'll need the EIN.
Rates are subject to change without notice; printed matter distributed by Greater Iowa Credit Union takes priority over Internet rates.
Standard credit qualifications apply.
Credit card features are subject to change.
Equal Opportunity Lender.
Greater Iowa Credit Union is an equal opportunity lender and a member of the NCUA. All deposits at Greater Iowa Credit Union are
insured up to $100,000 through the National Credit Union Association. An additional $250,000 insurance is provided by Excess Share Insurance Corp.
