Debit & Credit Cards

Our MasterCard... The reasons are clear.

No annual fee. You don't have to pay for the privilege of carrying our card.

No high interest rates. Since 2003, our interest rate has stayed at a low 10.99% APR, while millions of Americans are paying more than 19%.

Personal Pin ATM Access

25-day interest-free grace period on purchases . If you prefer not to pay interest, you can pay the entire balance in full by the payment due date and incur no finance charge.

Pay your MasterCard Payment on-line . Now you can pay your MasterCard payment on line at www.online.mycardinfo.com . You can have the funds pulled directly from your share draft account or you can set up a monthly automatic transfer from your account. Visit www.online.mycardinfo.com for more information.

The security and privacy of your payments are important. Protect your cards with your own personal password so only you can purchase with them online. It is easy, safe and free of charge.

Apply Online or Contact our office for more information on obtaining an NICCU MasterCard.

Debit Check Cards

Here at NICCU we have MasterCard Debit Cards. They are available with any checking account.

* No Monthly or Annual Fee
* Privileged Status Program (Thousands of Free ATMs)

Call today or stop in and pick up your application.

Lost/stolen debit cards

If your card is lost or stolen you may call (800) 472-3272 (after hours number) or our office (641) 424-2281.

Fraud Protection

Our system monitors every transaction done on your card. If anything out of the ordinary occurs, or if the transactions match established fraud patterns that have been reported to MasterCard, our fraud division will try to contact you. We want to make sure every transaction on your account is legitimate, and stop any potential fraud immediately. In order to keep your account safe, we have a response center open 24 hours a day, 7 days a week. If our fraud monitoring service contacts you to verify suspicious transactions, their valid callback number is (866) 750-9107 or (800) 262-2024. Please be advised that our representatives will never ask you for your PIN number, or your full card number. If you have any questions about the validity of a call, please contact our office directly at (641) 424-2281.

More Info about Debit Cards

Debit cards are also known as check cards. Debit cards look like credit cards or ATM (automated teller machine) cards, but operate like cash or a personal check. Debit cards are different from credit cards. While a credit card is a way to "pay later," a debit card is a way to "pay now." When you use a debit card, your money is quickly deducted from your checking or savings account.

Debit cards are accepted at many locations, including grocery stores, retail stores, gasoline stations, and restaurants. You can use your card anywhere merchants display your card's brand name or logo. (For example, MasterCard or Visa.) They offer an alternative to carrying a checkbook or cash.

What is "debit"? Debit means subtract. When you use a debit card, you are subtracting your money from your own credit union account. It is a quick transaction between the merchant and your personal bank account.

What you should know about debit cards:

  • Using a debit card frees you from carrying cash or a checkbook.
  • Using a debit card means you no longer have to stock up on cash when you travel.
  • Debit cards may be more readily accepted by merchants than checks, especially in other states wherever your card brand is accepted.
  • The debit card is a quick, "pay now" product, giving you no grace period.

MasterCard SecureCode

MasterCard SecureCode is a service provided through MasterCard. It is used for online purchases with participating retailers.  Some online retailers require this unique password to make purchases on their site. The process is quick and easy-just follow the links below. For MasterCard Credit Cards search for North Iowa Community Credit Union in the search box, then click "Register Now" toward the middle of the page and follow the prompts to create your own SecureCode. For MasterCard Debit Cards begin by clicking "Register Now" toward the middle of the page.You'll continue through the prompts to create your Secure Code.

SecureCode for MasterCard Credit Card
SecureCode for MasterCard Debit Card