Let's Talk Debit Cards

From benefits to fraud protection, scroll to see everything you need to know about your Copper State CU Debit Card.

Mastercard Enhanced Benefits

Your Copper State CU debit Mastercard® is a simple, fast and safe way to pay, made for today. Use it everywhere you shop and spend, including online. And when only cash will do, you can access funds from one of the largest global ATM networks. As a member, here are some of the enhanced benefits you receive with your debit card.

Extended Warranty

This one year benefit ¹ goes above and beyond.

Satisfaction Guarantee

Purchases covered for 60 days.²

Mastercard Global Service™

Worldwide, 24-hour assistance with lost or stolen card reporting and card replacement.³

Mastercard Airport Concierge™

Your passport to the finer side of air travel.⁴

Person using a Copper State CU debit card

CARDHOLDER SUPPORT IS AVAILABLE 24/7 TO REPORT A LOST OR STOLEN CARD

Disputes, Fraud And Lost Or Stolen Card Support

Submit A Dispute

To dispute a charge on your debit card, please call 623.580.6000 during regular business hours and select the option for Card Services.
Report Fraud

If you suspect fraudulent activity, please call 623.580.6000 during regular business hours immediately and select the option for Card Services.
Lost/Stolen Card

To report your debit card as lost or stolen please call us at 623.580.6000 and select the option for Card Services.

Priceless Surprises® 2024 Holiday Sweepstakes

Turn Holiday Prep Into A Grand Prize Trip

See Each Other In A Whole New Light

Your purchases have the chance to turn into something even bigger.

Receive an entry for a chance to win a grand prize trip and more with qualifying holiday and online purchases.⁵

Turn holiday and online shopping into entries for a chance to win.

From Oct. 1 until Dec. 31, 2024, you can earn entries from eligible purchases for a chance to win a grand prize trip or a daily prize of a $50 Mastercard Prepaid® card when you use your Copper State CU Debit Card.

One grand prize winner will get a 4‑night trip for two to one of 14 destinations.

Put your feet up and soak in the sun in Puerto Rico, Aruba, Bahamas, or Key Largo, Florida. Quench your thirst for adventure in Alberta, Canada, Park City, UT, or Jackson Hole, WY. Let your hair down in New Orleans, LA, Nashville, TN, Las Vegas, NV, or Miami, FL. Relax and recharge on Kiawah Island, SC, Phoenix, AZ, or Scottsdale, AZ.

PIN Information

Need To Update Your PIN?

Please call us at 623.580.6000 and select the option for Card Services.

CardCash™

Earn up to 1% cash back⁶ just for using your Copper State CU debit card.

Want to earn up to 1% cash back⁶ just for using your debit card? All you need is a Copper State CU checking account with a linked debit card. Once you activate your card, you are automatically enrolled in CardCash.™ Every time you swipe your Copper State CU debit card, choose the credit option instead of entering your PIN. Online payments and bill payments may also qualify.

Spend a minimum of $700 in non-PIN debit card purchases each month and start earning. You can also create an account with CardCash™ here to check your earnings.

Press credit every day. Every pay.

Protection At First Swipe

Mastercard ID Theft Protection™

This no-cost service helps detect and resolve identity theft with industry-leading experts on-hand to provide you with 24/7 assistance if you think your identity has been compromised.⁷

Mastercard Zero Liability Protection

Mastercard safeguards against unauthorized purchases, loss or theft so you can spend with peace of mind.⁸

HealthLock For Mastercard®

With health expenditures on the rise, as well as complicated billing procedures, HealthLock for Mastercard can help provide medical data privacy and cost protection in one innovative, tech-driven solution. HealthLock syncs with an individual’s insurance carrier and reviews all medical claims for accuracy.⁹

Uncover Priceless Golf® Benefits With Mastercard

Play Your Heart Out

Get a grip on your game. Join PGA Tour Golf Academy instructors to gain personalized instructions, custom club fittings and more. Lower your score and up your skills with Mastercard.

Watch Out For These Common Scams

Keep your money safe. Refuse to share debit card number, PIN, online banking credentials or account numbers with anyone who reaches out to you asking for these.

Our priority is keeping your information safe

Fighting Fraud

We are partners when it comes to fighting debit card fraud. Our priority is keeping your information safe, which is why we created our Fraud Help Center. We list the latest scams, explain what to do if you've been scammed and how to keep your money safe.

Here at Copper State CU, we also use an array of risk management services, tools and resources to help ensure the safety of your debit card. Specifically, we monitor account activity, identify trends, work to reduce or restrict activity and reissue cards, when needed.

Want more information on how to stay safe online? Check out our blog How to Practice Debit Card Fraud Awareness Online and In Person.

Have A Question?

Frequently Asked Questions

How long will it take to receive my debit card?

Once a new debt card has been ordered, expect your new card to arrive within 7-10 business days. Be sure to select a brand new personalized PIN to help keep your debit card safe.

What do I do if I discover fraud on my debit card?

If you suspect fraudulent activity, please call 623.580.6000 during business hours and select Card Services. Regular business hours are 9 AM to 5 PM Monday - Thursday and 9 AM to 6 PM on Friday.

What do I do if my debit card is lost or stolen?

If your debit card is lost or stolen, please contact us as soon as possible at 623.580.6000 and select Card Services.

Do you offer different designs for your debit card?

We are proud to offer a sleek metallic copper design for our debit cards. No other designs are available.

Can I use my debit card outside of the US?

Yes, you can use your Copper State CU debit card outside of the US. There is a 1.50% on all transactions occurring in foreign countries and/or foreign currencies. You can find this information at the bottom of our About Us page under Important Account Disclosure.

Where can I find more information on earning cash back with your CashBack Checking?

Yes, you can find the CashBack Checking Account terms and conditions here.

How can I reset my PIN?

Please call us at 623.580.6000 and choose option 4 for Card Services during regular business hours to reset your PIN. Select option 2 if you are calling after business hours. Regular business hours are 9 AM to 5 PM Monday - Thursday and 9 AM to 6 PM on Friday.

Can I change my PIN if I forget it?

Yes. Please call us at 623.580.6000 and select Card Services to change your PIN.

What types of transactions earn cash back?

Purchases made with your Copper State CU debit card that qualify for cash back are transactions where you provide a signature or choose "credit" instead of "debit." Qualifying transaction may also include internet purchases, phone or mail order purchases, bill payments, or small dollar purchases for which you are not required to sign. Terms and conditions apply, click here for more details.

What is Mastercard ID Theft Protection™?

Mastercard ID Theft Protection™ provides proactive monitoring and resolution of identity theft threats for U.S. Mastercard cardholders and is a complimentary benefit. Click here to enroll.

How do I run my debit card as credit?

To run your debit card as credit, select the credit option on the payment terminal at checkout. This means you'll be asked to sign for the transaction instead of entering your PIN.

What is Mastercard Zero Liability Protection?

As a Mastercard cardholder, Zero Liability applies to your purchases made in the store, over the telephone, online, or via a mobile device and ATM transactions. As a cardholder, you will not be held responsible for unauthorized transactions if:

You have used reasonable care in protecting your card from loss or theft.

You promptly reported loss or theft to your financial institution.

To learn more about Mastercard Zero Liability, click here.

What is HealthLock for Mastercard?

HealthLock for Mastercard brings you comprehensive medical data privacy and cost protection that safeguards you from fraud, reviews your claims for hidden savings and negotiates overcharges on your behalf. Click here for more details.

Related Resources

What's a Good Debt-to-Income Ratio & How to Calculate Yours

Is your debt-to-income (DTI) ratio holding you back from your financial goals? Discover how this often-overlooked number can impact your ability to secure a home loan or car financing. Learn how to calculate and improve your DTI to achieve financial freedom.

Read more

How Does Retirement Work? 5 Retirement Realities

Predicting exactly what your retirement will be like is about as possible as a meteorologist predicting the weather correctly every single time. In fact, few retirees find their financial futures playing out precisely as they assumed. Getting familiar with some of the usual assumptions about retirement can help you answer the question "how does retirement work?"

Read more

Does Klarna or Afterpay Affect Your Credit Score?

Buy now, pay later (BNPL) services like Klarna and Afterpay have proved incredibly popular, allowing consumers to delay and split payments on purchases with lower rates and more flexibility than other payment methods. These are particularly attractive options for the younger generations. But is everything rosy with these fast-growing apps?

Read more

Disclosure

¹ Terms and conditions apply. Click here for more details.

² Terms and conditions apply. Click here for more details.

³ Mastercard Global Service™ provides worldwide, 24-hour assistance with Lost and Stolen Card Reporting and Emergency Card Replacement. Call Mastercard Global Service immediately to report your card lost or stolen and to cancel the account. Remember, if you report your card lost or stolen, you will not be responsible for any unauthorized transactions on your account. In the United States (including all 50 states, the District of Columbia, the U.S. Virgin Islands, and Puerto Rico) and Canada, call 1-800-307-7309. When out-of-country and in need of assistance, you can easily reach a specially trained Mastercard Global Service Representative who can help you 24 hours a day, 365 days a year, in any language. You can call toll-free from over 80 countries worldwide. Some of the key toll-free Mastercard Global Service telephone numbers are:
Australia ..............1-800-120-113 Mexico ..........001-800-307-7309
Austria ................0800-070-6138 Netherlands ......0800-022-5821
France ..................0-800-90-1387 Poland ............ 0-0800-111-1211
Germany .............0800-071-3542 Portugal ................ 800-8-11-272
Hungary ..................06800-12517 Spain .......................900-822-756
Ireland ..................1-800-55-7378 United Kingdom . 0800-96-4767
Italy ...........................800-870-866 Virgin Islands ....1-800-307-7309
For additional information, or for country-specific, toll-free telephone numbers not listed above, visit our website at www.mastercard.com or call the United States collect at 1-636-722-7111. Account Information and Card Benefits:
When in the United States, contact your card issuer directly for account information and 1-800-Mastercard for card benefits. When traveling outside the U.S., call Mastercard Global Service to access your card issuer for account
information or to access any of your card benefits. ATM Locations: Call 1-877-FINDATM (1-877-346-3286) to find the location of a nearby ATM in the Mastercard ATM Network accepting Mastercard®, Maestro®, and Cirrus® brands. Also, visit our website at www.mastercard.com to use our ATM locator. You can get cash at over two million ATMs worldwide. To enable cash access, be sure you know your Personal Identification Number (PIN) before you travel.

⁴ Enjoy a 15% savings on Airport Meet and Greet services. Arrange for a personal, dedicated Meet and Greet agent to escort you through the airport on departure, arrival or any connecting flights at over 700 destinations worldwide 24 hours a day, 7 days a week, 365 days a year. There are also certain airports where you can be expedited through the security and/or the immigration process. To reserve Mastercard Airport Concierge services visit www.mastercard.com/airportconcierge or consult your Travel Advisor.

⁵ NO PURCHASE NECESSARY TO ENTER OR WIN. Void where prohibited. Open to legal residents of the 50 U.S. or DC who are legal age of majority prior to time/date of entry. PIN‑based debit, international, corporate, and transactions processed on a non-Mastercard operated network are ineligible. Ends 12/31/24. Non‑holiday and in-store Mastercard transactions also qualify. For Official Rules & complete details, click here.

⁶Terms and conditions apply, click here for details.

⁷ Certain terms, conditions and exclusions apply. Cardholders need to register for this service. This service is provided by Iris^® Powered by Generali. Please see your Guide to Benefits for details or call 1-800-MASTERCARD. For more information, visit mastercardus.idprotectiononline.com.

⁸ Certain terms, conditions and exclusions apply. To learn more about Zero Liability, visit mastercard.com/zeroliability.

⁹ Terms and conditions apply. Visit https://healthlock.com/mastercard/ for more details.