Where are the Credit Card disclosures located?
Your Credit Card disclosure information is located here.
What is Mission Debit Card Privilege (MDCP)?
With the new Mission Debit Card Privilege(MDCP)service, Mission Fed can help save you from stressful and embarrassing situations.
If you enroll in Mission Debit Card Privilge, Mission Fed may authorize your PIN and signature-based Debit Card purchase transactions, even if there is not enough money in your checking account to cover them. Plus, there is no fee to enroll, and no fee will be charged unless you use the service and the transaction results in a negative balance that is greater than $10.
See complete details and sign-up information.
What is a Credit Card?
A Credit Card is an unsecured line of credit used for making purchases or obtaining cash advances.
What Credit Cards do you offer?
Choose the card that is right for you, here.
My Credit Card or Debit Card has been lost / stolen. What do I do?
To report a lost or stolen card, please call us 24 hours a day at 858.524.2850 or 800.500.6328.
To request a replacement of a damaged or captured ATM, Debit or Credit Card, please contact us at 858.524.2850 or 800.500.6328 and ask to speak with a representative. Our Contact Center representatives are available Monday-Friday 7:00 a.m. to 7:00 p.m. and Saturdays 9:00 a.m. to 1:00 p.m., Pacific Standard Time.
We also offer instant issue for new or replacement cards in any of our branch locations.
How do I dispute a charge on my account?
Card Transaction
To dispute a card transaction, contact the merchant in an effort to resolve the error/dispute. If resolution can not be made, please provide Mission Fed with a signed, written notification of the error on your account. Please include the following information:
- Name
- Account Number
- Merchant Name
- Amount of dispute
- Transaction date
- Description of the suspected error in full detail
- include any documentation associated with the disputed transaction
- your attempts to resolve the error with the merchant.
For your convenience you may fax your dispute to 858-524-2631 or mail it to:
Mission Federal Credit Union
Card Services Department
P.O. Box 919023
San Diego, CA 92191-9023
A Notification of Suspected Error form is available in our branch offices or one can be mailed to you upon request.
Electronic Funds Transfer
To place a stop payment on an electronic funds transfer, please contact us at 800.500.6328. Request that a EFT stop payment form be mailed to you. You may also complete this form, in person, at any of our 23 branch locations.
What are your service fees?
The MFCU fee schedule can be found here.
What is the ATM Co-Op Network?
Mission Federal Credit Union is a member of the largest credit union-only ATM network in the country. Co-Op Network membership provides surcharge-free access at 28,000 ATMs, which includes 9,000 deposit-taking and 5,500 7-Eleven locations throughout the U.S. and Canada. Co-Op Network's membership has access to over 800,000 ATMs worldwide through links to NYCE, STAR, Cirrus, Pulse, and Plus.
click here to see a list of Mission Fed's branches and ATM locations
I already have overdraft set up to come from my savings, Line of Credit and/or Credit Card account(s). What happens to my current overdraft options?
Your overdraft will continue as it always has. The Mission Courtesy Pay (MCP) coverage will only take place if the savings, Line of Credit and/or Credit Card account(s) do not have sufficient funds to pay the item.
Where can I see my Debit Card transactions?
Check Card transactions appear in the "Debit" area of your checking account history. In MissionLink, click on your checking account in the "My Accounts" area to display processed transactions. If you don't see a transaction, the merchant has not yet presented it for payment. This does NOT mean the transaction is not pending or outstanding. A Check Card transaction works just like a check and might incur a "float" period of several days before it is settled against the account. In general, it will settle immediately.
Mission Federal Credit Union