For some people, a debit card is just a means to withdrawal the cash in their account. But as a member of Amplify Credit Union, your debit card is designed to help you get more from your everyday spending. In this article, we’ll break down all the benefits of your debit card – including a few security features available through Mastercard you won’t want to miss.

Key Takeaways:

• Your debit card is covered by Amplify’s commitment to fee-free banking.
• You also get a wide range of security and transaction features through our partnership with Mastercard.
• You can access our card control features in online banking at any time to manage your activities or set up your alerts.

What features are available with our debit cards?

You might already know that each Amplify Credit Union debit card comes with our signature promise of fee-free banking: no overdraft fees, transaction fees, or service charges.  

But did you know that your Amplify debit card also comes with a wide range of security and transaction benefits? Below are just a few highlights of the features offered through our Mastercard partnership, as well as our card control features in online banking.

Mastercard ID Theft Protection

How much is identity theft increasing? According to the FTC, there were over 1.1 million cases of identity theft through the first three quarters of 2025 – more than were reported throughout all of 2024. To help combat the rise of identify theft, Mastercard offers the following complimentary ID theft protection services to Amplify members.

• Protect. Combine 24/7 identity fraud support and anytime educational tools.
• Detect. Enjoy complimentary identity monitoring and verification.
• Alert. Receive real-time identity and credit alerts on your card.
• Resolve. Get real-time identity theft resolution and creditor support.

You can also visit the Mastercard website to learn more about their ID protection features.

Zero Liability

It’s a common misconception that credit cards are a better payment to avoid fraudulent transactions. With Mastercard’s Zero Liability protection, Amplify members will not be held responsible for an unauthorized transaction as long as they meet two simple criteria:  

• You used reasonable care in protecting your card from fraud; and,
• You promptly reported loss or theft to your financial institution.

Learn more about Mastercard’s Zero Liability protection on their website. You can also visit our Ask Amplify article to learn more about filing a fraud claim or dispute.

Satisfaction Guarantee

Mastercard’s Satisfaction Guarantee program also provides Amplify members with an extra level of confidence in their purchases. If you meet the full criteria for the program, you can return a purchase within 60 days and receive a full reimbursement for the item.  

• Coverage is limited to the cost of the item up to $250 per claim.
• You can submit a claim up to four (4) times in a 12-month period.
• Items must be purchased from a store that provides a return or exchange policy of at least ten (10) days.
• Items must be undamaged and in its original and complete packaging.

For more information on Mastercard’s Satisfaction Guarantee program, visit their website.

Card Controls

When you enable our card controls feature in online banking, you gain an extra level of control over your debit card activities. To get started, follow the steps below in online banking to access your features.

• Click Menu.
• Click Card Controls under the Debit Cards & Alerts dropdown menu.

Once the card controls screen loads, you can add your card information and follow the authentication steps to enable those features for your debit card. Card control features include:

• Receive real-time transaction notifications.
• Lock or unlock your debit card from inside the app.
• Set up a travel notice for domestic or international card activity.
• Review and control your spending based on the merchant, location, transaction type, and more.
• Additional self-service features (Activate, Set/Change PIN, and Add to Mobile Wallet).

To learn more about card controls at Amplify visit our article in Ask Amplify.

Where can I find fee-free ATMs?

Thanks to Amplify’s signature fee-free banking program, you will never pay an ATM fee when you deposit or withdraw money at an Amplify branch. Amplify is also a proud member of the Austin Alliance of Credit Unions, which means that you can access hundreds of fee-free ATMs across Central Texas. To find the fee-free ATM nearest you, visit our article in Ask Amplify.