Capitol View Credit Union offers a variety of card services for our members. From MasterMoney Debit Cards, ATM Cards to MasterCard and Gold MasterCard, you'll find what you need to make your banking fast, efficient and above all convenient!
The Capitol View Credit Union “MasterMoney™ Debit Card is easy to use. Present your card and your purchase is deducted from your checking account. You will have a receipt for your records on your monthly checking statement. Enjoy the safety of not carrying cash, and if your card is lost or stolen you are not liable for unauthorized purchases. Your card is accepted easier than a check. No ID is required and you can use it at merchants and ATM’s. Listed below is how to best use your new card in order to maximize the benefits to you and the credit union.
All Deposits and POS will be free (none of these count toward your free transactions) You have up to 5 free transactions of any other type per month and then charge $1.00 per transaction plus tax above 5 to include: withdrawals, transfers, inquiries, errors.
Your new debit card can be used in two ways, with a PIN and without a PIN. When you are required to use it with a PIN (4 digit secret number issued to you), you are using it just like an ATM card. When you use it without a PIN you are using it as a debit card (but you tell the merchant “credit”). At some merchants no signature is needed. An example of no signature needed while using your card as a debit card would be at a gas station where you pay at the pump by swiping the card and then begin pumping the gas. Some merchants can process your card either way (with or without a PIN). Most merchants will automatically process your card with a PIN if they can. The reason is because it costs the merchant less. However it costs you and your credit union more. Tell the merchant to process your card as a credit card (even though you hand them your debit card with the MasterMoney tm logo) and your card will be processed without a PIN, but will still be deducted from your share draft account like a normal debit card transaction. The only time you would want to have them process the card as a debit card is when you want extra cash with the transaction as described below. By choosing credit rather than debit when using your card, you also are better protected in case of a dispute on the purchase.
POS-point of sale transactions are those where you swipe your card, enter a PIN to make a purchase (and in most cases can get extra cash if you ask the merchant)
Tips on how to maximize our fee structure:
1. Get cash at merchants when using your card at a POS (they’ll usually allow you extra cash)
2. Do inquiries and transfers on our free voice response system at 226-7997 or 1-800-879-8350 instead of at the ATM machine. Our voice response system is available 24 hours a day. Please call us at 281-3595 or 1-800-383-3595 with any questions.
3. Use our Online Banking System.
4. Use Shazam Privledged Status ATM's to avoid the machine owner's surcharge. Click here for a list of Priledged Status machines near you.
Greater Internet shopping security couldn't be easier, thanks to
MasterCard®SecureCodeTM. 
It's a new service to enhance your existing MasterCard. A private code means added protection against unauthorized use of your card when you shop online at participating merchants. Just like a PIN at the ATM, all you need to do is enter your personal SecureCodeTM when prompted by Capitol View Credit Union. Once you identity is confirmed, your purchase is complete.
