Decorative Vector Image of Hand Holding a Debit Card

Debit Cards

Here is everything you need to know about our debit cards. Want a BOFCU debit card of your own? Visit any branch office!
Not a BOFCU member yet? Apply to join today!

Our MasterCard Debit cards are a fantastic free feature available to all BOFCU owners! Our cards are accepted anywhere MasterCard is taken and they're a safe alternative to carrying cash! 

6 Reasons Why Debit Cards are Safer Than Cash

1) Traceable Records

All purchases on payment cards are recorded, allowing you to monitor your expenses made via your bank or card statements. This safety feature comes in handy when you need to dispute or cease an unauthorized transaction.

2) Do Away with Cumbersome Payments

Imagine taking out a large, conspicuous wallet or fumbling through wads of cash every time you make a purchase. Not only is it cumbersome but the jingling of metal and the rustling of paper makes you an attractive target for watchful thieves. Payment cards, on the other hand, offer a more discreet way to carry large sums of money, making transactions quick and unnoticeable.

3) Cards are Recoverable, Cash Isn’t

Due to its anonymous nature, if you lose your cash, it’s gone. Payment cards can be cancelled and replaced swiftly and remotely.

4) Multi-Layered Security in Your Card

Cash may offer you complete anonymity from data thieves, however, EMV chip-enabled cards offer a more thorough form of payment authentication, providing an extra layer of payment security. How so? Dynamic data is created, making each chip transaction unique and virtually impossible to replicate. This unique transaction code is also useable only during that particular purchase transaction, preventing thieves from re-using it for other transactions.

5) Payment Cards Offer Fantastic Protection for Travelers

Here’s one for those who fly frequently! Certain payment cards offer travel insurance that covers personal accidents, lost luggage, and travel delays. Check with your issuing bank to find out what their service offering is with travel insurance so that you can travel with peace of mind knowing that both you and your money are covered.

6) Financial Institutions Have Measures to Protect You When Your Cards are Lost or Stolen

Accidents can’t be avoided entirely, which is why financial institutions have measures in place to minimize the damage. If you think your card is lost or stolen, notify your financial institution immediately so they can take the appropriate next steps to secure your money!

For lost or stolen debit cards:
Call 1-888-241-2510
To activate your debit card:
Call 1-800-466-0040

Click here to view our rates.
Click here to view our disclosures.​

For Debit Card Disputes:

  • Debit card disputes can only be filed once a charge has been debited from your account.

  • You first must contact the merchant to pursue a refund.

  • One form must be filed for every disputed transaction.

  • Notarized form(s) can be submitted by mail, fax, or email.

  • If your form(s) is not notarized, you will need to bring it to a branch office to sign in person.

MasterCard SecureCode is an added protection to keep transactions private. It's accepted around the world and is fast, simple, and convenient. Click here for more information on how to enroll!

Logo of Overlapping Red and Orange Circles, Text Reads "Mastercard SecureCode"

Local Office

524 North Pearl Street

Bridgeton, NJ 08302


Phone: 856-692-4000

Routing Number: 231277518

NMLS #: 412490

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Credit Union

This Credit Union is insured by the National Credit Union Association.
We do business in accordance with the Federal Fai Houing Law and Equal Credit Opportunity Act.