Convenient Access to Your Money—Wherever Life Takes You
Your money should always be within reach. Whether you're withdrawing cash, making everyday purchases, shopping online, or managing your card through our mobile app, Circle Federal Credit Union's ATM and Mastercard® Debit Cards provide the convenience, security, and flexibility you need.
From your morning coffee to your next vacation, your Circle FCU debit card is designed to make accessing your money simple and secure.
ATM or Debit Card - Which Is Right For You?
ATM Card
An ATM Card is linked to your savings account and provides easy access to cash at thousands of ATMs nationwide. It's a great option if you primarily need convenient access to your savings funds.
Mastercard® Debit Card
Our Mastercard Debit Card gives you the best of both worlds. Access your checking and savings accounts at ATMs while also making purchases anywhere Mastercard is accepted—in stores, online, or over the phone. There's no need to carry cash or write checks for everyday purchases.
Turn Everyday Spending into Everyday Saving
Why not save while you spend?
With Debit Card Round-Up, every eligible debit card purchase is automatically rounded up to the nearest dollar, and the spare change is transferred into your savings account. It's an easy, effortless way to build your savings one purchase at a time.
Ask a Member Service Representative about enrolling today.
Built-In Security for Greater Peace of Mind
Your financial security is one of our top priorities. Every Circle FCU Mastercard Debit Card includes multiple layers of protection to help safeguard your account.
Mastercard Identity Check
When shopping online at participating merchants, Mastercard Identity Check helps verify your identity using a one-time passcode sent by text message or phone call. No enrollment is required—this added layer of security is automatically available when needed. Here's how it works:
- Enter your purchase information
- When the Mastercard Identity Check pop-up appears, select your method of One-Time Passcode delivery - text to your mobile phone or a phone call.
- Enter the One-Time Passcode provided; your transaction is complete!
If an invalid OTP is entered in the checkout screen, the transaction will not be authenticated. If three (3) consectutive invalid OTPs are entered into the checkout screen, your card will be blocked at all Identity Check participating ecommerce merchants. To unblock your card, contact us.
Fraud Monitoring
Circle FCU partners with SHAZAM® and FICO® Falcon® fraud detection to monitor suspicious debit card activity.
As part of our debit card protection program, we provide text alerts when suspicious activity is detected on your Circle FCU debit card. If you receive a text alert, reply Yes or No to confirm or deny the activity. If you reply No (the activity is fraudulent), you’ll quickly receive a follow up text to let you know that a SHAZAM fraud specialist will call you soon to help protect your account. We’ll also automatically block your debit card to prevent any additional fraudulent activity.
If you reply Yes (the activity was legitimate), you can continue to use your debit card as normal. If you don’t reply to the text, or your phone number is not a mobile number, we’ll attempt to reach you via automated voice call.
- Text message alerts from: 72718
- Automated phone calls from: 855-219-5399
Blocked Vendors
Your security is our priority. To help reduce fraud and protect your account, Circle Federal Credit Union blocks debit card transactions from certain merchant categories and high-risk vendors that are commonly associated with fraudulent activity.
- Admiral Gas Stations
Traveling Outside the United States?
For your protection, foreign ATM and debit card transactions are blocked by default to help prevent fraud.
If you're planning international travel, simply stop by one of our branches before your trip. We'll place a temporary travel authorization on your card so you can use it while you're away.
Lost or Stolen Card?
If your debit card is lost or stolen, act quickly to help protect your account.
You can:
- Lock your card instantly through the Circle FCU Mobile App
- Report your card as lost or stolen by calling (800) 528-2273
- View recent card activity
- Contact our after-hours card services if needed at (800) 383-8000
Need to Change Your PIN?
Updating your debit card PIN is quick and easy. Simply call our automated PIN management system at (800) 717-4923 using the phone number we have on file, follow the prompts, and begin using your new PIN immediately after confirmation.
For your security, never write down your PIN or share it with anyone—including family members, law enforcement, or financial institution employees.
You will need to ensure you are calling from the phone number Circle FCU has on file for you. To update this information, visit your It'sMe247 Online Banking page, click on 'Info Center, then 'Personal Information'.
ATMs
Your ATM/Debit Card is accepted where ever you see these logos:
Effective September 4, 2019, you may be required to enter your PIN number when paying at the gas pump with your Circle FCU Debit Card. Due to the increasing number of fraud cases being seen on debit cards at gas stations, we have decided to implement this practice to best protect you. So what does this mean? You may not be able to run your debit card as credit at the gas pump. If the question on the gas pump asks “is this a credit card?”, you will need to hit no and enter your PIN.
