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Swipe, Sign and Go. 

The TCU Debit MasterCard® works like a check - only better. Simply swipe your card, sign the receipt or enter your PIN and go. It's faster and safer than cash or checks, and it is accepted at millions of locations worldwide. 


Do more than make a purchase, Earn Cash Back!
Earning 0.5% cash back is as simple as buying your groceries or gas, simply swipe your card and sign the receipt! It’s that easy. For instance, if you spend $100 on groceries, you could earn $0.50 cash back. Even purchasing $50 in gas could result in $0.25 cash back. You can double your cash back by using it towards a new TCU product or service such as a mortgage, auto loan or travel package! It’s just another way TCU is invested in you!
Your everyday spending automatically earns money! It’s easy, swipe sign the receipt to start earning cash back! Click HERE to find out how you can get your cash back.
 See TCU Debit MasterCard® Terms and Conditions for details

    MasterCard® Features:

    • Zero Liability**

      In the event your card is used to make unauthorized purchases—whether made in a store, by phone or online—you won't be held liable.
      Click here to access more information on Zero Liability

    • MasterCard® Global Service

      MasterCard® Global Service is a customer service program designed to extend the issuer's customer service infrastructure around the world. MasterCard® Global Service provides unprecedented emergency customer service anytime, anywhere and in any language.

    • MasterCard® SecureCode™

      Enhances protection against unauthorized use of the Debit MasterCard® at participating online merchants. Once the card is registered and a private SecureCode™ is created, the card owner will be prompted at checkout to provide it each time a purchase is made with an online merchant. The SecureCode™ is never shared with the merchant, it is equivalent to entering a PIN number at an ATM.

      Please click here to access MasterCard® SecureCode™


    MasterCard® Enhanced Benefits

    • Extended Warranty

      Doubles the warranty time period and duplicates the coverage of the original manufacturer's written warranty on most new purchases for a maximum of one additional year.

      Price Protection

      Guarantees the best price on new products purchased with an eligible MasterCard® card by providing a refund on the difference of up to USD 250 per claim, if the cardholder finds a lower price within 60 days of purchase.

      Satisfaction Guarantee

      Provides a money-back guarantee on most products purchased with an eligible card, if within 30 days of purchase the cardholder becomes dissatisfied with the product and the merchant will not accept a return.

    MasterCard® Business Card Smart Shopper Features Also Include:

    • Master Rental/CDW

      Reimburses cardholders for physical damage to, or theft of a rental vehicle when the cardholder pays for the entire rental transaction with his or her eligible card and declines the Collision Damage/Loss Damage Waiver coverage offered by the car rental company. Coverage is in excess of any other applicable insurance.

    • MasterCard® VAT Reclaim

      US Companies are entitled to recover the Value Added Taxes (VAT) expenses their company employees incur on foreign business travel. The VAT paid on hotel accommodations, employee meals, conferences, exhibitions, trade shows, car hire and similar business travel expenses are recoverable in most European countries.

    Travel Security Precautions:

    If you are traveling out of the State of Indiana or Michigan, please contact the Member Call Center at (800) 552-4745 to release your TCU Debit MasterCard®  for use within a different state or country.  Your TCU Debit MasterCard®  is restricted at a variety of merchants outside of Indiana and Michigan, to protect you from fraudulent activity and charges.  If you have any questions, please contact the Member Call Center for details.

Report Lost/Stolen TCU Debit MasterCard® Cards

During Business Hours

Contact our Member Call Center at (800) 552-4745, 7:00 a.m. to 7:00 p.m. Monday through Friday, and 8:00 a.m. to 1:00 p.m. on Saturday or visit your nearest TCU service center

After Business Hours (Weekdays/Weekends/Holidays)

Please call (800)523-4175

Instant Issuance of TCU Debit MasterCard® Cards

Lost or stolen card? With Instant Issuance, you can get a replacement TCU Debit MasterCard® in minutes. The custom IU Debit MasterCard® is also available through Instant Issuance.

Click here for a full description of the new benefits and how to use them. To request a printed guide-to-benefits, call 1-800 MC ASSIST.

The Indiana University name and logo are used here by agreement with IU , and are the property of the Trustees of Indiana University. Instant Issuance is available at select TCU Service Centers.

Certain restrictions apply. .*DEBIT MASTERCARD® REBATE DISCLOSURE. **More Information about Zero Liability.




Any links to external websites are links to alternative sites not operated by TCU. TCU is not responsible for the content of the alternate site. The privacy and security policies of the alternate site may differ from those practiced by TCU. TCU does not represent you or the third party if you enter into a transaction with the third party.

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