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Find out what your Centra Debit Mastercard® can do for you.

Your Centra Debit Mastercard is a simple, fast and safe way to pay, made for today. Use it everywhere you shop and spend, including online. And when only cash will do, you can access funds from one of the largest global ATM networks.

Centra Debit

Mastercard Debit

Available with Free, High Interest, Student, and Opportunity checking accounts.

Debit Card Benefits >

Centra World Rewards Debit

Mastercard World Debit

Available with 
Rewards Checking.

World Debit Card Benefits >

Mastercard ID Theft Protection™

Your Centra Debit Card comes with Mastercard ID Theft Protection to better safeguard you against possible identity theft and bring you security and peace of mind.¹

  • Monitors your credit file for changes that could indicate fraud, such as new credit inquiries, an address change, or a new account opened in your name.²
  • Sends alert notifications whenever suspicious activity is detected so that you can take immediate action to minimize potential damage. The tool monitors suspicious activity related to the personal information you choose to track such as your name, address, email address, social security number, date of birth, debit/credit card numbers, or other sensitive data.²
  • Provides ID Theft Resolution, with white-glove service, assigning a resolution specialist to you when you require assistance resolving issues related to identity theft.²

Mastercard ID Theft Protection comes with your Centra Mastercard at no additional cost. To activate your ID Theft Protection benefits, click the button and enter your card number to start the registration process.²

Mastercard Zero Liability Protection

Have peace of mind knowing that you won’t be held responsible in the event that your debit card is stolen and someone makes unauthorized purchases with your card.²

Learn more >


Use your Centra Debit Card to get cash surcharge-free at more ATMs than ever. Our members can visit any of nearly 30,000 ATMs that display the CO-OP logo. So whether you’re across town, or far from home for work or pleasure, you’re never far from your money. Search for the closest surcharge-free ATM. >

Learn more about the CO-OP network >

Digital Payments

To quickly and securely pay from your phone or other mobile device, add your Centra Debit Cards to a digital payment option.

Learn more about Digital Payments >


Mastercard’s, password-free digital checkout is a better way to pay online, featuring advanced payment technology and the trusted security to keep your information secure.

Learn more about Masterpass >

Instant Issue Debit Cards

Gone are the days of waiting a few weeks for a new Debit Card – with Instant Issue, you’ll get a new card instantly. Simply visit your nearest Centra location and we’ll replace your lost Debit Card on the spot!

Travel Tips 

Travel can be stressful, but if you follow these steps, you can help limit your Debit or Credit Cards issues while traveling.

1. Email the appropriate email box with detailed travel info. 

Always include:
– card number
– dates of travel (leaving and returning)
– destination

2. You never know when a merchant’s card network may be down or their card terminal might not be working, so take more then one form of payment.

3. Try to limit the additional foreign transaction fees and know that both Visa and MasterCard assess a 1% foreign transaction fee.

4. Fraud Prevention teams will contact you if it is suspected that fraud is occurring

Credit Card holders will receive a call from Falcon.  If needed, Credit cardholders can reach Falcon at 800-337-3392.
Debit Card holders will receive a text from Enfact, if a cell phone number is on their account.  If a cell phone number is not listed on the account, or if the text is not responded to, Enfact will place a phone call to the cardholders.  If needed, Debit cardholders can reach Enfact at 866-750-9107.

1. For cardholders who enrolled prior to July 1, 2019, this service shall be provided by CSID until December 31, 2019. Cardholders will have to re-enroll with Generali Global Assistance, Inc. at the link provided in the enrolled cardholder notices. Cardholders will need to register for this service. Cardholders who enroll on or after July 1, 2019, this service shall be provided by Generali Global Assistance Inc.
2. Certain terms, conditions and exclusions apply. Please see your Guide to Benefits for details or call 1-800-MASTERCARD.
Mastercard is a registered trademark, and the circles design is a trademark, of Mastercard International Incorporated. ©2019 Mastercard. All rights reserved.