Debit Cards

Lost or Stolen Debit Card

Please notify us immediately if your card is lost or stolen.

  • Call your local branch office during business hours
  • Report your cards as lost or stolen in the Unico Bank mobile app
  • Turn your card “off” if the mobile app if your card is misplaced
  • After business hours, please call 1-800-472-3272
Master Card Debit Card
  • Free with a Unico Bank Deposit Account
  • Receive your debit card when you open your account
  • Load to your Mobile Wallet to pay on the go.
  • Enhanced fraud protection with EMV chip technology
  • Accepted more widely than checks
  • Faster than checks, safter than cash
  • Accepted at millions of merchants worldwide and online
  • Free cash withdrawals at any MoneyPass Network ATM Nationwide
  • Easily replaced if your card is damaged, lost, or stolen
Instant Issue
  • Instant Issue debit cards are available at all of our full-service locations
  • Ready in minutes
  • Select a card design that best fits your personality
  • Set your PIN number using a private keypad
  • Reset your PIN number using a private keypad if you forget it
  • Replace your card easily if it is damaged, lost, or stolen
EnFact Fraudulent Debit Card Transaction Detection
  • Real-Time 24-hour fraud detection services
  • Monitors and risk scores every debit card transaction
  • Alerts you if a potential fraudulent transaction is detected
    • Text alert notifications*
    • Automated voice response alerts
    • Personal phone calls from our dedicated fraud department

If you tell us a transaction is fraudulent, a member of our team will
help you take the necessary steps to protect your account.

 



Be sure we have a valid mobile phone number on file to receive alert notifications.
Don’t forget to let us know when you are traveling for vacation.
*Message and data rates may apply.

Enhanced Card Management
  • Enjoy 24/7 access to your cards via the Unico Bank Mobile App
  • Control your card on your terms
  • Turn your cards on/off at your discretion
  • Set spending limits based on location, amount, merchant type and transaction type
  • Receive notifications when your card is used
  • Review spend insights
  • Report your card lost or stolen


Manage My Cards

Download our mobile app to get started.

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Mobile Wallet

Your Unico Bank debit card is compatible with the following mobile wallet services.

Watch Our Mobile Wallet Video



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MoneyPass
  • Use any MoneyPass ATM nationwide without being charged any fees.
  • 61,000+ locations throughout the United States
  • Look for the MoneyPass logo 
  • Search for a MoneyPass ATM near you.

ATM Locator

Automated Billing Updater

What is the MasterCard Automated Billing Updater?

The MasterCard Automated Billing Updater (“ABU”) is an automated solution that helps to ensure uninterrupted service for cardholders and uninterrupted payments by updating card-on-file (“COF”) information for recurring and nonrecurring payments. This program helps to reduce COF transaction declines due to changed account numbers and/or expiration dates.

When will this service be available to cardholders?

The MasterCard ABU Service became available for debit cards in October 2017.

Why is this service being offered to cardholders?

Financial Institution participation is mandatory. However, you have the option to opt your card out of the service at any time.

How does the Automated Billing Updater service work?

Cardholders generally have recurring payments or a COF set up with a merchant(s). When account changes are made to a cardholder’s account – for example, your debit card has expired so you received a new card with a new expiration date in the mail – cardholders often do not advise merchants of the new expiration date. Since the merchant was not notified of the new card expiration date the next time they try to process your account payment the payment will be declined. The MasterCard ABU Service allows the updated information to be provided to the participating merchants on your behalf resulting in fewer declines, in case you forget to contact them. Unico Bank recommends that you still contact the merchant to verify your card information has been updated, since not all merchants participate in the service.

What are the benefits of the MasterCard ABU Service?

  • Reduces card declines
  • Helps to ensure on-time bill payment
  • Prevents late fees and service disruption

Can I decline this service?

Yes. You can request to opt-out of this service by completing the enclosed MasterCard ABU Opt-Out Form. This form is also available upon request at your local branch office.

Will all of my payment information be automatically updated?

No. The MasterCard ABU Services is only available at participating merchants. Merchants can choose the frequency at which they check for updated payment information. To avoid late payments and penalties, cardholders must check with their merchant(s) to ensure their card information has been updated.

Do you have a list of participating merchants?

No. Participation in this service is at each merchant’s discretion. Unico Bank does not have a merchant list.

What kind of Card-on-File (“COF”) merchants participate in the service?

COF merchants that keep cardholder card numbers on file for recurring payments may include phone companies, cable services, utilities, music subscriptions, magazine subscriptions, gym memberships, insurance companies, recurring charitable donations and more.

What if I do not update my debit card information with participating merchants?

Automatic payments will be declined and merchants may charge members a late fee.

Download Automated Billing Form