Card Services



Instant Issue ATM Card An instant issue ATM Card provides immediate card access to any new or existing deposit account.
Debit MasterCard® Chip Card An EMV Chip Card provides more security than traditional magnetic strip cards. Use your card anywhere that accepts MasterCard debit cards world-wide. Use it at an ATM, over the phone, on the internet, or with most merchants. Your card can be used at chip & non-chip terminals.


Promptly Report a Lost or Stolen Card To report a lost or stolen card during regular business hours, contact your Local Branch or call Customer Service at 800-686-2052. For after-hours assistance, call 800-472-3272.
Debit MasterCard Activation  To activate your new EMV Chip Card by phone, call 800-757-9848 at any time or contact your Local Branch for assistance during regular business hours.
Surcharge Free ATM Withdrawals Avoid paying a Surcharge Fee by using an ATM displaying the Allpoint® logo to complete a cash withdrawal or when using any UMWSB ATM located at one of our Branch Locations. (Effective June 18, 2018, we are no longer a member of the Jeanie® network.)
Use Wherever You See These Logos

We are members of the Allpoint, Accel, PLUS®, Cirrus, Maestro, and MasterCard (for debit cards only) networks allowing you to use your card anywhere you see these logos.

Allpointe ATM Locator

(ATM Fees. You may be charged a fee for transactions completed at any ATM not owned by us, including balance inquiries, or even if you do not complete a funds transfer. You may be charged a fee for transactions, other than cash withdrawals, completed at an Allpointe terminal. Cash withdrawals at an Allpointe terminal are surcharge fee free.)

How to Use Your Debit MasterCard Chip Card 4 easy steps to use your Debit MasterCard chip card: (1.) Insert your card into the ATM or point of sale terminal, following the instructions on the terminal. Leave the card in the terminal until your transaction is complete. (2.) The ATM will require that you enter your 4-digit PIN. The point of sale terminal may require you to input your 4-digit PIN or sign your sales receipt to complete the purchase. (3.) For sales transactions, the terminal will display your purchase amount. (4.) When your transaction is complete, it is important to remember to remove your card.
MasterCard Zero Liability Protection As a Debit MasterCard cardholder, Zero Liability applies to your purchases made in the store, over the phone, by mobile device, and ATM transactions. As a cardholder, you will not be held responsible for unauthorized transactions processed over the MasterCard network if: (1.) you have used reasonable care in protecting your card from loss or theft; and (2.) you have promptly reported to your financial institution when you knew that your Debit MasterCard was lost or stolen. (Zero Liability does not apply to Instant Issue ATM Cards.)
MasterCard SecureCode™ When completing a purchase with a participating online merchant, you may be prompted to verify your identity. This helps to prevent fraudulent online purchases.
Are You Traveling Out-of- State? Take These Steps Before You Go For added security, certain types of transactions, states, or countries where fraud is prevalent will sometimes be blocked in order to help protect your account from unauthorized transactions. We regret any inconvenience you may experience and assure you that these actions are to protect you and your account(s). If you notify us in advance of your travel plans, including dates and locations of travel, we will review your card settings and when applicable update them to help reduce interrupted service. You may also use our card app to update your card usage area. Traveling Tip: Travelers may want to carry more than one form of payment, especially when traveling out-of-state or outside of the United States, in case a merchant is unable to process card transactions at the time of purchase for any reason or in case your card becomes lost or stolen. It is also a good idea to periodically review purchase history online or using our mobile apps while traveling. If you do not recognize a transaction, promptly contact your Local Branch, or report your card as compromised using the after-hours phone number above.
Protecting Your Debit MasterCard or ATM Card Protecting your Debit MasterCard or ATM Card from fraud requires 24/7/365 days a year monitoring. Our fraud detection programs monitor your card transactions for any suspicious activity. If potentially fraudulent transactions are taking place, we will contact you immediately so that future fraudulent transaction can be avoided. What We Monitor: Card transactions are monitored for purchases outside your normal purchasing patterns, unusual timeframes and geographical locations, or purchase patterns that are consistent with previously identified fraud trends. How We Contact You: Getting in touch with you quickly is critical to stopping any potential card fraud. With our Card Alert Notification service, you will receive a text message asking you to confirm if a suspicious transaction was authorized by you. (Text messages to your mobile device are free, but all other fees on calls and texts are subject to the terms of your voice/data plan with your mobile carrier.) If you do not have a mobile phone number listed, you will be contacted by a phone call. Receiving a Text Message: • The text message will contain our Bank Name, dollar amount of the transaction, and merchant name. • You will be asked to reply with a “Yes” if you authorized the transaction. You will receive a confirming text message and can continue to use your card with confidence. • A “No” reply means you have not authorized the transaction. You will receive a confirming text message and you will be contacted immediately by a fraud specialist to protect your account. Please answer this important call. • Do not reply to the text message with any personal or confidential card information. • If you would like to opt-out of receiving these important messages by text, you may reply with “STOP” to indicate this preference. • Keep us up-to-date with your current mobile and home phone numbers and contact information.
Fraud Alerts and Card Breaches Notice We promptly react to fraud alerts and news of possible card breaches.  Cardholders may sometimes read or hear about these in the news. Know that if we receive information indicating that your card may have been compromised, we will promptly notify you of this possibility and place a block on the card to protect you and your account. We do our best to help prevent any inconvenience to you and will replace the compromised card with a new card number that should arrive within 10 business days. If you are waiting on a replacement Debit MasterCard to be mailed to you, but still need access to your account during non-business hours, please ask your Local Branch about our Instant Issue ATM Card. If you use your Debit MasterCard to make recurring payments to a biller, please remember to provide the biller with your new card number.


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