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Debit MasterCard® Frequently Asked Questions (FAQ) 

Is the Debit MasterCard® a credit card?

Although the Westerly Community Credit Union Debit MasterCard® carries the familiar MasterCard® logo, it is NOT a credit card! Instead, the Debit MasterCard® is a debit card. The amount of each purchase is withdrawn directly from your checking account.

Where can I use the Debit MasterCard®?

You can make purchases at restaurants, retail stores, supermarkets and gas stations - anywhere MasterCard® is accepted. In fact, the card can be used at over 12 million locations!

In addition, because the Debit MasterCard® is also an ATM card, it can be used to access your accounts at Westerly Community Credit Union ATMs and NYCE® and CIRRUS® network ATMs.

How do I use the Debit MasterCard®?

When purchasing an item or service, you use your Debit MasterCard® just like a credit card. The amount of each purchase will be withdrawn directly from your checking account. When used at an ATM, the Debit MasterCard® acts just like a traditional ATM card.

What accounts can I access?

Purchases made with the Debit MasterCard® will be withdrawn directly from your Westerly Community Credit Union checking account. At ATMs, you will be able to access both checking and savings accounts.

What are the benefits of using the new Debit MasterCard®?

WCCU’s Debit MasterCard® is all about convenience. Because it works like a credit card, there’s no more writing checks or presenting additional identification when purchasing goods or services. But, because it isn’t a credit card, there are no finance charges, and no credit card bills at the end of the month!

How do I keep track of purchases?

Receipts from each debit card purchase and point-of-sale (POS) transaction should be recorded in your check register. All transactions will be listed on your monthly checking account statement and can be reviewed using Online, Mobile or Telephone Banking (1-800-320-1441).

Are there additional fees when using the Debit MasterCard®?

The Westerly Community Credit Union Debit MasterCard® gives you added convenience over our regular ATM Card, with no additional charges.

What if I want to return a purchase made with the Debit MasterCard®?

No problem! Purchases made with the Debit MasterCard® are just like those made with a credit card. Your rights relating to refunds and returned merchandise are the same as when you pay with cash or by check. The refund and return policies of the individual merchant govern these transactions, and you must resolve issues of this type directly with the merchant. We do recommend that you save your receipt in case you need to return an item.

Can both my spouse and I have our own Debit MasterCard®?

Certainly, as long as you both qualify. Simply complete an application for the additional card.

What happens if my Debit MasterCard® is lost or stolen?

Please call us immediately at 401.596.7000 during regular business hours and 1.800.320.1441 after hours. You may also block your card by logging into eBanking. Once you have reported it lost or stolen we can either mail you a replacement, or you may stop in any of our 4 branch locations to instantly receive your new card. Please refer to our Electronic Fund Transfer Disclosure for more detailed information. If you suspect that your personal information may be exposed, please view our Reporting Identity Theft Checklist for steps you can take to protect your identity now and in the future.

What should I do if I cannot remember my Personal Identification Number, or if my card’s magnetic strip is damaged?

Simply stop by any WCCU branch location during normal business hours. As a precaution, you should always be sure to keep the card in your wallet or in a protective case so that the magnetic strip does not get damaged.

Can my Debit MasterCard® be covered by Overdraft Privilege?

Overdraft Privilege is automatically available when you open a checking account(s), but you must provide prior consent to extend your coverage to include ATM and everyday Debit card transactions. Sign up for extended coverage through eBanking, a printable opt-in authorization form or at any branch location. Click here for more information about Overdraft Privilege.

How can I get more information about the Debit MasterCard®?

Stop by WCCU, or call a financial services representative at  (401-596-7000). We will be happy to answer all your questions! 

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