Debit MasterCard® and ATM Cards


Enjoy exceptional financial flexibility from your First Command Bank checking account with the Debit MasterCard. You get the cashless convenience of a card that's accepted worldwide, backed by the strength and security of the MasterCard brand.

Convenient, flexible, accepted worldwide

  • Use your Debit MasterCard instead of cash and checks at millions of locations worldwide
  • Access up to $2,500 per day from your First Command account in point-of-sale purchases
  • Access up to $500 per day in cash withdrawals from your First Command account through any major ATM network
  • No ATM surcharges when you use your FCB Debit or ATM card at a MoneyPass® network ATM
  • Free ATM usage — FCB does not charge an ATM transaction fee for the number of free transactions specified by each account and provides an ATM surcharge rebate (number of free transactions and amount of ATM surcharge rebate per statement cycle determined by account type; see individual account pages for details)
  • Link to a First Command Bank Money Market Savings Account (optional) for convenient access to both accounts
  • Use for purchases online and by phone
  • View real-time details of debit transactions via OnCommand™ Online Banking as well as a monthly record on your account statement
  • Use your Debit MasterCard to get cash back at point-of-sale and avoid ATM fees. Simply select "debit" and "cash back" when making purchases at grocery stores, restaurants, and other merchants. The entire amount will be deducted from your First Command Bank account in one easy step

MoneyPass® ATM Network

First Command Bank is a member of the nationwide, surcharge-free MoneyPass® ATM network. This means you can use your First Command Bank debit and ATM cards at any MoneyPass ATM without incurring an ATM surcharge. MoneyPass already has thousands of ATMs in the U.S. — and the network continues to grow. Visit www.moneypass.com to find a MoneyPass ATM near you.

Fraud protection

  • FraudWatch PLUS
    Debit cards issued by First Command Bank are protected by FraudWatch® PLUS, providing you with round-the-clock protection against the increasingly savvy perpetrators of debit card fraud. With FraudWatch PLUS, trained analysts watch for suspicious transaction activity on your behalf, 24 x 7, 365 days a year. You will be contacted immediately by an experienced fraud analyst to verify the authenticity of your card transactions, if warranted.
  • MasterCard zero fraud liability
    Pay only for the purchases you authorize. As long as your account is in good standing, you have exercised reasonable care in safeguarding your card, and you have not reported two or more unauthorized events in the previous 12 months, you are not liable for unauthorized, signature-based transactions.

MasterCard Global Service™

With your Debit MasterCard, emergency customer service is available anytime, anywhere and in any language. Report your lost or stolen card, and get emergency card replacement or an emergency cash advance, should you need it.

Have a Money Market Savings Account only?
Need an ATM card only?

Money Market Savings Account holders receive a First Command Bank ATM card for convenient access to cash at ATM networks worldwide. Checking account holders also may request an ATM-only (non-debit) card by calling us at 888.763.7600.

To report a lost/stolen card or unauthorized use

If your Debit MasterCard or ATM card is lost or stolen, or should you suspect unauthorized activity on your account, call 800-887-0555 immediately to report your loss or suspicion.