CUB Debit MasterCard®

Using your CUB Debit MasterCard® is faster than writing a check and safer than carrying cash. Plus, it’s accepted at millions of merchant locations worldwide!

  • Purchases are deducted from your checking account
  • Cash access at ATMs worldwide
  • Liability protection for unauthorized purchases2
  • Continue to receive Dime-A-Sign Rewards if already qualified


Chip Technology
Improves the global usability and security of your card as more merchants at home and abroad switch to advanced chip card terminals. Your card has been enhanced with an embedded microchip that provides increased protection against fraud.
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Mastercard Global Service™
Provides 24 hour a day, seven day a week assistance with lost and stolen card reporting, emergency card replacement, emergency cash advance, as well as assistance with locating ATMs.1
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Mastercard Airport Concierge™
Provides a Meet and Greet agent to assist with flight connections plus, at select airports, expedited security/immigration processing.
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Extended Warranty
Doubles most manufacturer or U.S. store brand warranties for up to one additional year when you pay for eligible items with your CUB Debit MasterCard.1
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Price Protection
Can refund the difference if you buy something and then see it advertised for less within 60 days of the date of purchase.1
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Satisfaction Guarantee
Can provide a refund of up to $250 if you are dissatisfied with a purchase and the merchant will not accept a return within 60 days of the purchase date.1
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Identity Theft Resolution Services
Assists you with credit bureau notification and debit card replacement and provides you with an ID Theft Affidavit should you become the victim of Identity Theft.1
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Mastercard Priceless® Cities
Offers unique access and special experiences so you can enjoy more of the cities you love.
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Zero Liability
Means that in the event that your card is used to make unauthorized purchases—whether made in a store, by phone or online—you won’t be held liable.2
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Mastercard business & personal benefits at a glance chart

1. Certain restrictions apply. CLICK HERE to see the Guide to Benefits for Mastercard Debit Cards.
CLICK HERE to see the Guide to Benefits for Mastercard Business Card Debit Cards.
2. Certain restrictions apply. See for details.

Mastercard HSA benefits at a glance chart

1. Certain restrictions apply. See for details.
2. Certain restrictions apply. CLICK HERE to see the Guide to Benefits for Mastercard Health Savings Account cards.

Need to order a new Debit Card?
Visit your nearest Citizens Union Bank location, call us at 866-633-4450.

Lost Card? Stolen Card? CLICK HERE

Never used a Chip Card before?
Chip Card FAQs – Click Here 

Regardless of what type of terminal a merchant has, you’ll be able to use your card anywhere MasterCard is accepted.


  • At retailers with chip-enabled terminals – Insert your card and follow the prompts on the terminal.
  • At retailers without chip-enabled terminals –Swipe your card and proceed as you normally would.
  • Over the phone or online – Provide your card information the way you always have when you’re ready to make a purchase.

Insert your card “chip first” into the chip-enabled terminal. With chip transactions, your card remains in the terminal throughout the transaction.
Provide your signature or PIN as prompted by the terminal. If the amount is low, you may not have to do either.
Remove the chip card after the transaction is approved and you are prompted to do so.

Still have questions?
Contact us at 866.633.4450 or call 1-800-MASTERCARD for assistance.

Surcharge Free ATM Networks

Citizens Union Bank is proud to offer our customers surcharge-free access to over 55,000 ATMs worldwide. When using any Allpoint ATMs, CUB debit cardholders will not be charged a surcharge. Just look for the following logo when using an ATM or view our ATM locator to find your nearest surcharge-free ATM.

Allpoint ATM - Surcharge Free

1. Certain restrictions apply. CLICK HERE see the Guide to Benefits for Mastercard Debit Cards.
2. Certain restrictions apply. See for details.
Must be an existing customer to apply for a Debit Card or ATM card. Contact 1-800-MASTERCARD for assistance.
Applicable to U.S. Cardholders only. Mastercard and the Mastercard brand mark are registered trademarks and Mastercard Global Service and Mastercard Airport Concierge are trademarks of Mastercard International Incorporated, used pursuant to a license. All third party trademarks referenced herein are the property of their respective owners. If an ATM outside of the 55,000+ network is used there is a $2 per withdrawal fee, in addition to any fees charged by the ATM itself. Internet provider and mobile carrier fees may apply. Ask for details.