Mastercard Debit Card

LCTFCU offers access to your funds 24 hours per day, seven days per week through the convenience of a Mastercard Debit/ATM Card. The Debit Card acts like a credit card, but the funds are deducted directly from your Share Draft (checking) Account. This card can be used at ATM locations nationwide and at any merchant where Mastercard credit cards are accepted.

• For the security of our members, a Personal Identification Number (PIN) will be issued. Please keep this number secret and secure. Never store the card and the PIN in the same location. Notify the credit union immediately if your card or PIN is lost or stolen.
• Withdrawals are free to members when they use their LCTFCU Mastercard Debit/ATM Card at the LCTFCU owned ATM located at 3712 N. Main, Liberty, Texas 77575. LCTFCU does NOT assess a fee for withdrawals from ATMs owned by other institutions; however, the owner of that machine may impose a surcharge at the time of the transaction.
• There is NO fee assessed when the Mastercard Debit Card is used for retail purchases.
• A nominal monthly service charge of $1.00 is assessed accounts with an ATM/Debit card.
• Overdrafts from ACH, ATM, Debit Card or other source, whether paid or returned, will incur a fee as disclosed in the Fee Schedule.
• Automatic transfer from another account to cover an overdraft will incur a fee as disclosed in the Fee Schedule.

Refer to the Fee Schedule, the Truth in Savings Disclosure and your Account Agreement for all terms related to Regular and IRA Shares and Share Drafts (checking).