Business Debit

Small Business

Business Debit Card

ideal business debit card

Reliable & Secure Spending

Manage cash flow with accurate, purchase-by-purchase record keeping. You'll also enjoy great rebates on many of your business purchases through the MasterCard Easy Savings® Program.


 EMV Chip Technology

  Accepted at Millions of Locations

  Secure with Zero Liability


Spend your way

  • Accepted at millions of locations
  • Free access to your money at Ideal CU ATMs and ATMs within CO-OP and MoneyPass networks
  • Shop online, at stores and even over the phone
  • Monitor spending easily with Online and Mobile Banking

Advanced Security

  • Zero Liability meaning you won't be held liable for unauthorized purchases
  • We monitor unusual activity to alert you to debit card fraud
  • 24 hour cardholder service in case of a lost or stolen card

Business Debit MasterCard™ Benefits

In addition to the convenience of acceptance at millions of locations worldwide, the safety of Zero Liability* protection against unauthorized purchases, and 24/7 lost or stolen card reporting, you'll also benefit from1:

MasterCard Easy Savings Program™

Earn rebates on eligible purchases that are automatically credited to your business checking account when you use your enrolled card at participating merchants. Learn more at

MasterCard Global Service™

Receive around-the-clock customer service assistance with Lost and Stolen Card Reporting, Emergency Card Replacement, Emergency Cash Advance, as well as assistance with locating ATMs and help with card-related questions.

MasterCard Travel Assist Services

When you’re traveling 50 miles or more from home, you can rely on a host of travel related assistance services including medical and legal referrals that can help you in emergency situations.

Zero Liability*

You pay only for the purchases you have authorized on your MasterCard card, and you won't be held liable in the event of an unauthorized purchase. This coverage extends to purchases made in stores, over the phone, or online. Learn More

Master Rental

Insurance pays for covered damages (physical damage and theft) to a rental vehicle when you use your card to initiate and pay for the entire rental transaction.

Extended Warranty Insurance

Doubles the time period and duplicates the coverage of the original manufacturer's or U.S. store brand warranty for a maximum of one year.

Purchase Assurance & Trade

You’re covered for most items you purchase with an eligible card if they are damaged or stolen within 90 days of the date of purchase.

VAT Reclaim

The Value Added Tax Reclaim Service from MasterCard provides companies doing business in Europe an easy and efficient way to reclaim their VAT.


File a Claim or Get More Information

To file a claim or for more information on any of these services, call the MasterCard Assistance Center at 1-800-Mastercard (627-8372).

*Certain restrictions apply. Please see for more details.
1See the MasterCard® Guide to Benefits for Debit Cardholders for full Terms & Conditions.

2018 Holiday Hours

New Year's Day
Monday, January 1st
All locations closed.

Martin Luther King Jr Day
Monday, January 15th
All locations closed.

Presidents' Day
Monday, February 19th
All locations closed.

Good Friday
Friday, March 30th
All locations open regular business hours
Lobby - 9:00 a.m. to 5:00 p.m.
Drive-thru - 9:00 a.m. to 5:30 p.m.

Memorial Day
Monday, May 28th
All locations closed.

Independence Day
Wednesday, July 4th
All locations closed.

Labor Day
Monday, September 3rd
All locations closed.

Columbus Day
Monday, October 8th
All locations closed.

Veterans Day
Monday, November 12th
All locations closed

Thanksgiving Day
Thursday, November 22nd
All locations closed.

Day after Thanksgiving
All locations are open regular business hours
Lobby - 9:00 a.m. to 5:00 p.m.
Drive-thru - 9:00 a.m. to 5:30 p.m.

Christmas Eve
Monday, December 24th
All locations open until 1:00 p.m.
Lobby - 9:00 a.m. to 1:00 p.m.
Drive-thru - 9:00 a.m. to 1:00 p.m.

Christmas Day
Tuesday, December 25th
All locations closed.

New Year's Eve
Monday, December 31
All locations open regular business hours
Lobby - 9:00 a.m. to 5:00 p.m.
Drive-thru - 9:00 a.m. to 5:30 p.m.

New Years Day
Tuesday, January 1st
All locations closed