ATM/Debit (Master Money)

A CTCU MasterMoney card is a Debit and ATM card all in one. Your debit card is faster and easier to use because it lets you access your checking account without taking the time to write a check or hassle with identification. In addition to getting cash at most ATMs, you can use your MasterMoney debit card to make purchases at over 15 million merchant locations worldwide, wherever MasterCard is accepted.

Simply present your debit card as you would any credit card.  You have the option to sign or use a PIN for your purchase at most retailers. Your purchase will be deducted from your checking account and will appear on your monthly checking account statement.

Using your MasterMoney card as an ATM card is safer than carrying cash. Your card can be used to get cash or make purchases wherever you see the STAR or Cirrus logo, giving you access to thousands of ATMs across the U.S. and other countries. CTCU members can choose from hundreds of surcharge free ATMs. For your safety, daily withdrawals are limited to $300.


  1. Login to eBranch.
  2. Select "Secure Forms".
  3. Select "MasterMoney Application".
  4. Fill out the secure form and submit.

Member Benefits
  • Accepted worldwide, wherever Master Card is accepted.
  • Used like a credit card or an ATM card, with money debited from your checking account.
  • Allows 15 daily purchases ($1000 daily limit).
  • Allows $300 daily in ATM withdrawals,
  • Allows up to 6 ATM withdrawals per month, $1 for each additional.
  • Deposits allowed at most ATM locations within Illinois
  • No surcharge by CTCU when you use another ATM location (other institution fees may apply)
  • Protected by MasterCard if lost/stolen

  • Over 18 years of age.
  • CTCU checking account in good standing (No overdrafts in six months).
  • New members must be in good standing with ChexSystems and pass credit bureau requirements.

ATM Locators

ATM Partner Networks
Cirrus Cirrus/MasterCard ATM Locator STAR Star Systems ATM Finder
Surcharge Free (CTCU Members Only)
Co-Op Network Co-op Network ATM Locator
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