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ATM & Debit Card

Put Best Reward in wallet.  Use the ATM Card to deposit or withdraw funds, conduct transfers, obtain balance inquiries, change your PIN, and more!

The MasterCard® Debit Card functions as an electronic check. To make purchases, simply present your MasterCard® Debit Card and the amount of the purchase will be deducted from your Share Draft Checking Account automatically. It’s accepted at millions of locations WORLDWIDE!  You can also use your Debit Card as an ATM Card.  It’s so simple!

Find Surcharge-Free ATM's Near You


ATM/Debit Card Activation & PIN Services

Best Reward offers a quick and secure method to activate your card and personalize your PIN (Personal Identification Number) via our toll-free number 1-800-992-3808!  This toll-free number offers an easy-to-follow card activation and PIN selection process anytime 24/7 from any phone. 

This number allows you to:

  • Activate a Card
  • Select a New PIN
  • Change a Forgotten PIN
  • Change a Known PIN

Cardholders will be asked to provide specific information for identity purposes. Once the call is successfully completed, cardholders may immediately use their card at an ATM and at merchants for point of sale purchases (if applicable).

CardValet® Mobile App

CardValet® will help you proactively manage your Debit Card using your smart phone.

CardValet® Mobile App Allows You to:

  • Turn Your Debit Card On and Off
  • Establish Transaction Controls for Dollar Amount Limits, Merchant Categories, and Geographic Locations
  • Receive Alerts When Your Debit Card is Used, Approved, or Exceeds the Controls Set by You
  • Receive Fraud Alerts on Attempted and Declined Transactions
  • Get Real-Time Balances on Your Accounts
  • Manage Debit Card Usage for Your Dependents

See How it Works

Download our FREE CardValet® Mobile App Today!

Download on the App Store Get it on Google Play

Debit or Credit?

When you use your MasterCard® Debit Card, you may be asked whether the transaction should be processed as a debit or credit purchase. There is a difference, but no matter what you choose, the purchase is deducted from your Share Draft Checking account.

What’s the Difference?

By choosing “debit” the transaction is processed through the ATM Network and requires you to use your Personal Identification Number (PIN) which offers you the ability to obtain cash back as well.*

By choosing “credit” the transaction is processed through the MasterCard® Network and you will be required to sign a receipt. You will NOT be able to obtain cash back through this option. However, there is no limit to the number of transactions processed this way and you will not be charged a fee. So remember to choose “credit” to avoid costly fees.

Apply Now

*You may be charged a fee by the merchant to process the transaction in this manner.

MasterCard® SecureCode™

Click below to login or register to access your MasterCard® SecureCode™.  This FREE service gives you added security for online Debit Card purchases!

Login or Register Now

Surcharge-Free ATM's

With an ATM or Debit Card, you have access to your cash 24 hours a day, 7 days a week at thousands of Surcharge-Free ATM's nationwide due to our arrangement with Alliance One (ATM's owned by other credit unions) and MoneyPass (US Bank Locations Only).

Alliance One MoneyPass


Additional ATM Options

Members may also use ATM's with the Cirrus and MasterCard logos; however surcharges may be incurred at these ATM's, so be certain to watch the screen message during use.

Whether you're busy, traveling, or unable to visit a branch, you will be covered with an ATM or Debit Card...start enjoying safe, convenient access to your accounts today!

Logos for ATMs