Our Services

MasterCard Debit Cards

If you have a checking account, you can have the convenience and universal acceptance of a MedPro Debit MasterCard in your wallet. With a debit card, you can make purchases at millions of locations worldwide, and the money will come directly out of your checking account. No end-of-month credit card bill, surprises or headaches. Just a quick, free, convenient alternative to writing checks or carrying cash. Or if you just need cash, our Debit MasterCard works at millions of ATMs worldwide.

  • No monthly maintenance fee.
  • No finance charges.
  • No transaction fee for purchases.
  • No trouble getting accepted at millions of merchants worldwide.

MasterCard SecureCode

MasterCard Secure Code

Planning to make online purchases with your debit card? Some retailers require you to register through MasterCard Secure Code to do this. MasterCard Secure Code allows you to set up a password for your online purchases. Register here.

Surcharge-Free ATM networks

Your MedPro ATM/Debit card is very powerful, and to make it even more powerful, we have allied ourselves with two no-surcharge ATM networks that together comprise more than 30,000 ATM machines across the USA, Puerto Rico and Canada. Whenever you see one of the symbols below at an ATM, you can use your MedPro ATM card worry free. And surcharge free! alliance one coop atms

Find a Co-Op ATM Via Text Messaging and Phone!

Find a CO-OP surcharge-free ATM when you're away from your computer!
Before you take your next road trip, be sure that you know exactly where to get your cash for free. Text your location - address, intersection or zip code - to 692667 (MYCOOP) from any mobile phone. Or, call 1-888-SITE-COOP to find a location by telephone. You'll never be lost looking for a surcharge-free ATM again.

*Like CO-OP Network ATMs, 692667 (MYCOOP) is a surcharge-free service. But check with your mobile phone provider as standard text messaging rates apply. And don't worry, you won't receive any unsolicited messages by using 692667 (MYCOOP).

For Terms and Conditions of the text messaging service, please click here.

Most Commonly Asked Questions

What is a Debit Card?

It's a way to use the funds in your checking account to pay for your purchases without a check! It can also be used at CIRRUS, PULSE and MONEYPASS ATM machines to make deposits, withdrawals and balance inquiries.

Credit vs. Debit - What's the Difference?

Credit - Your transaction will be processed through the MasterCard network and you will usually (except for pay-at-the-pump gasoline transactions) need to sign a receipt. You will not receive a bill for your transaction later, however. The funds will be deducted directly from your checking account.

Debit - Your transaction will be processed through the ATM network and you will be required to enter your Personal Identification Number (PIN). You will not have to sign a receipt. The funds will be deducted directly from your checking account.

Credit vs. Debit - What Should You Say?

Credit - Using your MedPro Federal Credit Union MasterCard Debit Card as a credit transaction will save you money. As long as funds are available in your checking account, you will not incur any fees from this type of transaction.

Debit - Use your MedPro Federal Credit Union MasterCard Debit Card as a debit transaction if you would like cash back at a merchant. Each time you use an ATM, it is a debit transaction. You may incur fees for this type of transaction. See your Debit Card disclosure statement for details.

Are there fees?

When you use your new Debit Card, there is no monthly services charge and you have unlimited Debit Card transactions.

When you use your new Debit Card as an ATM Card, requiring you to use your PIN, and have direct deposit or payroll deduction at MedPro, you pay no monthly service charge.

Other fees, such as overdraft and insufficient funds, may also apply and are contained in your Account Disclosure.

If you use an ATM machine that is not operated by us, you may be charged a fee by the operator of the machine and/or by the ATM network owner.