Buffalo Metropolitan Federal Credit Union

Products and Services

MasterCard Debit Card

A MasterCard debit card works like a check, only better. When you make purchases, the amount is deducted directly from your checking account - but you also enjoy added convenience and security. MasterCard debit card request form; complete this form and mail it to the Credit Union at 62 S. Elmwood Ave., Buffalo, NY 14202.


Pay for Purchases Quickly & Easily.

Use your MasterCard debit card when you are ready to pay. It works fast, so there's no need to write checks or fumble for change. Plus, you'll save on trips to the ATM and can leave your checkbook at home.


It's Everywhere You Want To Be®.

Because it's accepted at millions of places worldwide, you can use it for nearly anything, including:

  • Monthly bills
  • Dining/fast food
  • Gas & automatic services
  • Groceries
  • Retail merchandise
  • Internet/online purchases


Swipe & Sign.

When using your MasterCard debit card, tell the cashier credit; you will not have to provide your PIN. Some merchants will have you sign the receipt and others may not depending on the total amount of the purchase. Debit card transactions are automatically deducted from your checking account.


Enhanced Security for Online Shopping.

MasterCard SecureCode is a private code for your MasterCard debit card that gives you an additional layer of online shopping security. With a private code - similar to a PIN - you get protection against unauthorized use of your card when you shop at participating online retailers. Learn more about SecureCode or register for your SecureCode today.


Access Your Money at a Register.

With cash back they'll add the amount of money you want to the purchase. Stores that allow cash back include Wegmans, Tops, Rite Aid & Aldies. For other stores, simply ask the cashier if the store allows cash back.


Access Your Money at an ATM.

Just like an ATM Card, your Debit Card will have a four digit PIN! As a Buffalo Metropolitan Federal Credit Union member, you have access to 55,000 ATMs! Find an Allpoint ATM near you.


Up-to-Date Balance & Transaction History.

Check your balance and transaction record online with FREE Online Banking. Call 716.847.6960 if you do not already have a user ID and password for FREE Online Banking.

Security protections that help prevent, detect and resolve fraud, including:

  • Continuous fraud monitoring to detect and prevent suspicious activity on your debit card.
  • A 3-digit security code to verify your identity for online and phone purchases.

You receive these security protections when you use your MasterCard debit card for online, phone and mail orders or for purchases at merchants that do not require a signature.


Traveling With Your Debit Card.

MasterCard debit cards are blocked in areas of the country and outside the U.S. because of past compromises. If you are traveling outside the Buffalo-Niagara Falls metropolitan area, please contact:

During Credit Union Business Hours          1.716.847.6960 option 3

After Credit Union Business Hours              1.866.664.9364


Online Gambling

Please be advised that you may not use any Buffalo Metropolitan Federal Credit Union card to initiate any type of electronic gambling transaction through the Internet.


Enhanced Chargebacks Support

Cardholders who would like to initiate a dispute on a debit card purchase they did not perform can call 800.808.6402, Monday - Friday 8:00 A.M. to 8:00 P.M.


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