Debit Card/ATM

debit-card.jpgIt's like writing a check, but you enjoy all the convenience of using a credit card. Purchases made with your Debit card are deducted directly from your checking account.

  • No monthly or annual service fee.
  • FREE, UNLIMITED usage for Credit card - Signature-based transactions.
  • 15 FREE Debit card - PIN-based purchase and ATM withdraw transactions per month at no charge.  Deposit and balance inquiries do not count as a transaction.  Once an account reaches 15 transactions within a calendar month, it will be charged a fee of $0.50 for each transaction over 15.


What can you do with your Debit Card?

  • Withdraw or deposit funds at an ATM.
  • Check account balances.
  • Access to your accounts 24-hours a day, 7-days a week.
  • Make an unlimited number of Credit card – Signature based purchases at any merchant displaying the Visa logo.
  • 15 FREE Debit card - PIN-based purchase and ATM withdraw transactions per month at no charge.

ATM Card

atm-card.jpg

Your Premier ATM card acts as a debit card at ATM locations and can be linked to both your checking and savings accounts.

  • No monthly or annual service fee.
  • 15 FREE ATM debit transactions per month at no charge.  Deposit and balance inquires do not count as a transaction.  Once an account reaches 15 debit transactions within a calendar month, it will be charged a fee of $0.50 for each transaction over 15.

What can you do with your ATM Debit Card?

  • Withdraw or deposit funds at an ATM.
  • Check account balances.
  • Access to your accounts 24-hours a day, 7-days a week.
  • 15 FREE ATM withdrawal transactions per month at no charge.


Note: ATM Debit Card does not have point-of-sale functionality and can only be used at ATM locations.

Transactions conducted at the Premier Credit Union ATM located at the main branch downtown are free and do not count towards the 15 transactions.

Minimum Age Requirement for Debit Card and ATM Debit Card: Individual account holders must be at least 18 years of age. If under 18, but no younger than 16, an adult (who will be responsible for all debit card transactions) must sign as a joint owner.

Avoiding surcharge fees is as simple as 1, 2, 3

  1. Look for the Privileged Status logo on ATMs. ATMs displaying this logo will not charge you a fee to use. 
  2. Find a Privileged Status ATMs near youlogo_privstatus.gif
  3. Search Tip: Do not limit your search to a city name if you live in a large metro-area. Search by your state to include all suburbs and surrounding cities in alphabetical order
  4. Use your debit card at merchants that offer a "CASH BACK" option.
  5. Reduce your need to carry cash. Get in the habit of using your debit card for purchases


Apply for a debit card

Lost or Stolen Debit Cards

Call (866) 596-3059 as soon as you realize your card is lost or stolen. We'll cancel it immediately and order you a replacement card.

Disputing a Debit Card Charge

Prior to filing a Credit or Debit Card dispute with Premier Credit Union, you will want to first contact the merchant and attempt to resolve the transaction dispute with them directly.  If no resolution can be made with the merchant, you will then want to file a written dispute with Visa® by submitting an email to the credit union's card service department with the information listed below. If you have any questions regarding this process, contact the Credit Union at 515-282-1611.

Cardholder's Name:
Cardholder Address:
Telephone Daytime:
Telephone Evening:
Last 6 digits of the Card Number:
Transaction Amount:
Purchase Date:
Merchant Name:
Transaction Date:
Dollar Amount:
What efforts have been made in attempt to resolve dispute:
Explanation of why charge is being disputed:

Choosing Debit or Credit When Paying Electronically

Due to the fees associated with PIN-based debit transactions, Premier Credit Union is asking our members to use the Pen or signature-based transaction when using their Premier Debit Card. Your card bears the Visa® logo and can be used as a signature-based transaction wherever Visa® is accepted.

When used as a Debit card (PIN-Based):

  • You enter your four-digit PIN to complete the purchase.
  • You can access a limit of $510 per day.
  • The credit union is CHARGED a fee for each transaction from the merchant.
  • Withdraw or deposit funds at an ATM.


When used as a Credit card (Signature-Based):

  • You swipe your card, select credit and sign the receipt or the electronic pen pad.
  • You have access to all the available funds in your account.
  • The credit union is PAID a small fee for each transaction from the merchant.
  • You have far more consumer protection rights when used as a credit card.


Transactions conducted at the Premier Credit Union ATM located at the main branch downtown are free and do not count towards the 15 transactions.  Deposit and balance inquires do not count as a transaction.

So, the next time you make a purchase, say or select “Credit” when using your Premier Debit Card. It’s at no charge to you and better for your Credit Union!

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