The ATM/Debit MasterCard® program is now up and running!
You may begin using your new ATM/Debit MasterCard® at area ATMs and anywhere that MasterCard® is accepted. If you had the old green or white ATM cards, they are no longer active, regardless of whether you have activated the new ATM/Debit MasterCard® or not. Please cut up the old green or old white ATM cards and discard them.

The new PIN for your new card was delivered in a separate mailing. This PIN will NOT be the same as the PIN from your old green or old white ATM card. However, you will have the option to change the PIN by following the instructions on your PIN mailer.

Frequently Asked Questions

What is a debit card?
A debit card is a plastic card, similar to a credit card, that gives you access to your checking account. It is easier than writing a check and safer than carrying cash.

You may use your Gates Chili Federal Credit Union ATM/Debit MasterCard® at merchants that accept MasterCard® to:

• Purchase goods and services
• Make POS (Point-of-Sale) transactions

In addition, you may:

• Withdraw funds, make transfers, or obtain balance information from your checking or savings account at ATM locations
• Make deposits to your checking or savings account at Wegmans ATMs

The Gates Chili Federal Credit Union ATM/Debit MasterCard® features:

• No Annual Fee
• No surcharge for signature-based or PIN’d transactions at this time
• Twelve free ATM/cash withdrawals from your account per month
• Thousands of locations available worldwide

Is a Debit Card different from a Credit Card?
Although debit cards often look like credit cards, they are very different. A debit card is used to make purchases that are withdrawn directly from your checking account - just like writing a check. You can only spend as much money as is available in your checking account.

A credit card typically comes from a bank or another financial institution and is similar to a loan. Based on your credit history, income and ability to pay, these financial institutions determine the amount of credit that they will allow you to use. Each month, you receive a statement listing all of the purchases you've made throughout the month. If you do not pay in full each month, you are charged interest on the amount that you borrowed.

My new card was lost in the mail. How do I get a new one?
In the event that your card is lost in the mail, please fill out a ATM/Debit MasterCard order form at the Gates Chili Federal Credit Union office. You should receive your new card in the mail within 7 to 10 days after submitting the order form.

How do I activate my new card?
When you receive your new ATM/Debit MasterCard®, please activate it immediately. Activation instructions will be attached to your new card.

When may I use my new ATM/Debit MasterCard®?
Check the credit union website for the official program live date. It will be coming soon! 

Can I use the same PIN as my old ATM card?
A PIN for your new ATM/Debit MasterCard® will arrive in a separate mailing with instructions on how to change it to a PIN of your choice.

When I am at the register, do I select “Credit” or “Debit”?
Select the “Credit” signature-based option. It provides added protection to you, the consumer, and does not require the use of your PIN.

Where can I use this card?
Your ATM/Debit MasterCard® may be used to make purchases wherever MasterCard® is accepted. You may continue to make ATM withdrawals at any ATM in the surcharge-free network. A listing of these locations is available on the credit union website and at the credit union office. In addition, deposits can be made at Wegmans ATMs.

Can I still use it at the ATM?
Yes, you may use your debit card at the same ATMs for cash withdrawals and transfers.

How do I apply for this card?
If you already have a checking account with the Gates Chili Federal Credit Union and currently possess an active ATM card, an ATM/Debit MasterCard® will automatically be mailed to you.

If you have a checking account but do not currently have an ATM card, contact the credit union office. You will need to complete an ATM/Debit Order Form.

If you are currently a member but you do not have a checking account, contact the credit union office to open one.

If you are not a member but would like to open an account, contact the credit union. Membership eligibility is available to anyone who lives, works, worships, attends school, or actively volunteers in Gates or Chili. Eligibility is extended to the immediate family and household members of anyone who is eligible for membership. Businesses and legal entities in Gates or Chili are also eligible for membership.

Are there any fees, charges or usage limits?
Please be sure to read the ATM/Debit MasterCard® Disclosure of Information that arrives with your new ATM/Debit MasterCard®.

Fees & Charges:

• There are no charges for any PIN or signature-based transactions at this time.
• A $1.00 charge will be applied for each ATM/cash withdrawal beyond the 12 free withdrawals per month.
• There will be a $5.00 charge to replace your card. However, the first card is free of charge.
• There is a $25.00 fee for non-sufficient funds.  
  

Usage Limits:

Lower limits may be set in place when the system is offline.

* Clears limits and PIN tries at midnight Eastern time
** Each hold clears individually
*** Could be mnore than one card per checking account

Who do I contact if my card is lost or stolen?
Contact the Hot Card Service Center. They are available 24 hours a day, 7 days a week by calling 1-800-554-8969.

May I use the card on the internet?
Yes, this card may be used to make purchases online. However, please be cautious and be sure to use the security code on the back of the card.

What else do I need for internet transactions?
Enroll immediately in the SecureCode program using the link through the Gates Chili Federal Credit Union website. The SecureCode program allows you to obtain a private code known only to you, protecting you against unauthorized use of your card. When you are making purchases through participating online merchants, you will be asked for your SecureCode. The program assures secure internet transactions and has the potential to reduce fraud. For your protection, the credit union is a SecureCode participating financial institution.

What do I do with my old ATM Card?
Once the ATM/Debit MasterCard® program is live and once you have activated your new card, cut up your old ATM Card and discard it. Your old card will automatically be terminated once the ATM/Debit MasterCard® program is up and running. Stay tuned to our website for the announcement of the official live date.

My card is not activating – Why?
Verify that the Social Security number on file with the credit union is correct.

What is credit union oversight?
For your protection, the credit union provides transaction monitoring 24/7. You may receive a telephone call regarding suspicious activity on your account from a fraud review analyst to verify your transactions.

Is the credit union dropping the VISA Credit Card program?
No, the credit union will not be dropping the VISA credit card program. This program will continue, unaffected by the introduction of the ATM/Debit MasterCard® program.