Debit Cards

“Use your Pen versus Pin”

Safe & Secure

We love our debit cards. We swipe to pay for purchases at the gas station, grocery store and restaurants. We enter our cards into our digital wallets for convenient payments, and, we pay for plenty of purchases on Amazon Prime. But did you know there is a way to add another layer of security to your debit card transactions?

It’s choosing “pen” (or signing for the transaction) vs. PIN (entering your personal identification number) to approve the transaction.

Note that merchants may encourage PIN transactions because their fees are often less than a signature (or pen) transaction – particularly for higher dollar transactions, which are based on a percentage of the sale. So, you’ll want to choose the credit option first.

A signature (pen) transaction gives you added security.

MasterCard offers greater protection on all signature-based transactions. This means you have zero liability for any potential fraudulent transaction – and won’t be responsible if fraud occurs. And since you’re not entering your PIN, you reduce the possibility of someone stealing it.

Overall, pen transactions are safer, more secure.

  • “Use your PEN not your PIN”
  • Added security with layers of encryption
  • Safer than using checks or cash
  • Monitor transactions 24/7 with Online and Mobile Banking

Easy Cash Access

Access your funds 24/7 at thousands of surcharge-free ATMs nationwide. You’ll save time and money! All you need is your Personal Identification Number (PIN) and Mastercard debit card. You’ll be provided step-by-step instructions at the ATM to guide you through each transaction.
Download our free CO-OP ATM Locator app in iTunes and Google Play to find a convenient ATM location near you!

  • Access to thousands of ATMs
  • Convenient and easy-to-use
  • Bank anywhere its convenient

You can also check our ATM Locator online!

Convenient Purchases

Use your debit card anywhere MasterCard is accepted. You’ll save time. At participating merchants, you can request cash back eliminating an extra trip to an ATM. You’ll also save money in unwanted fees.
When you pay for purchases, the merchant will run your card through a card reader. You’ll enter your Personal Identification Number (PIN) or sign your name. You’ll get a receipt at the time of purchase, and the total amount of the transaction will be automatically deducted from your checking account. Some merchants offer cash back options for added convenience.

  • Shop anywhere MasterCard is accepted
  • Free debit card access with no added fees
  • Ask for cash-back option to save time
  • Easy account reconciliation online
  • Easy-to-read monthly statement

Take it up a notch with Debit Card Roundup!