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Image of the STCU debit card.
Image of the STCU debit card.
Image of the STCU debit card.
debit cards now. or later.

Get  your debit card instantly at the nearest STCU branch location.*

Or get your debit card by mail. Call (800) 858-3750 or chat online.

The way to pay.

For thousands of members, the STCU Debit Mastercard® has replaced the need for checks.

Your pocket-sized debit card is free with your STCU membership and can be used almost anywhere, including gas stations, restaurants, online shopping, at the ATM, and wherever else you go.

Buy groceries.
Fill up the gas tank.
Order stuff online.
Eat out. Or pay for delivery.
Withdraw cash.
There's a million possibilities!

Tracks your spending.

Are bookkeeping and budgeting not your thing? No worries. Every transaction you make with your STCU debit card is automatically recorded to your STCU account history, so it's easy to track your spending and to manage your money using online banking, the mobile app, or printouts of your monthly statement.

Up to $1,000 cash advance.

With a credit card, you're borrowing money that might trigger an interest charge. But with your STCU debit card, you're freely drawing on the funds you already have in your checking account.

STCU allows members to secure up to $1,000 cash advance — with no check-cashing fees — at most financial institutions or ATMs. (To access an ATM, you'll need your personal identification number, or PIN.)  

Robust security.

The embedded microchip on your STCU debit card makes it almost impossible to hack. If the merchant doesn't use a chip reader, you should have the option to swipe your card's magnetic strip or to tap in your personal identification number to complete your purchase.

STCU's free fraud monitoring service is constantly scanning for possible card theft. If a transaction looks suspicious, you may get a text from 32874 — asking to verify the transaction. If the transaction is not authorized within a certain amount of time, a fraud monitoring representative will call you.

You can also control when, where, and how your cards are used with STCU Debit Card Controls.

more stcu debit card benefits

Mobile app.

Deposit checks, transfer funds, pay bills, control card access, and more.


Available in the lobby of all branch locations during regularly business hours. There is no charge to replace a  debit card that has been lost or stolen, but a $5 replacement fee may be required for repeat card replacement or to replace a card just to get a newer design.

See the debit card guide to benefits (PDF) for full benefit details.