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.
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.
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.
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.
Two of our branches allow pins to be changed in person - these are our East Des Moines branch located at 600 E. 30th Street and our Ames Somerset branch located at 2623 Northridge Pkwy.
You can also call our Member Service Contact Center at 1.800.296.9064, however representatives are unable to actually change the pin over the phone. Representatives will send out a PIN mailer to the mailing address on file to notify you of your current pin; this could take 7 to 10 business days to arrive.
If you need/want to change your pin, you must go to one of the two branches listed above.
Greater Iowa Credit Union is a member-owned, not-for-profit financial cooperative in central and western Iowa that offers a full range of financial services at branches in Ames, Greater Des Moines, Indianola and Denison.
All deposits at Greater Iowa Credit Union are federally insured up to $250,000 through the National Credit Union Administration. An additional $250,000 insurance is provided by Excess Share Insurance Corp.
Greater Iowa Credit Union is an equal opportunity lender.