Debit/Credit Cards

Easy access to your HCEFCU funds with a debit card and nationwide surcharge-free ATMs.

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Apply for a Credit Union Platinum Credit Card

Call Us: (410) 461-2257

Going on Vacation?

Let us know before you go!

That way, your debit or credit card service won’t be interrupted and you can continue to enjoy exceptional service while you’re away!

Questions? Call Us:

(410) 461-2257

Contact Us

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Everyday access

Use your HCEFCU debit card for purchases and cash withdrawals. Check balances, move money, and make loan payments with HCE Online and our mobile app.

With a Howard County Education Federal Credit Union, you get:

  • Convenient purchases anywhere debit cards are accepted
  • Surcharge-free withdrawals at CO-OP Network ATMs
  • Account access through HCE Online and the mobile app

Mastercard Transaction Limitations

The following limitations of Mastercard transactions may apply:

There is no limit on the number of Mastercard purchases you make per day.

But you may only purchase up to a maximum of $5,000.00 per day.

There is no limit to the number of cash withdrawals you may make in any one (1) day from an ATM machine.

But you may only withdraw up to a maximum of $500.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account.

There is no limit on the number of POS transactions you may make in any one (1) day.

But you may only purchase up to a maximum of $5,000.00 from POS terminals per day, if there are sufficient funds in your account.

Bill Pay P to P Transactions

You may process an individual P to P transaction of up to $1,000.00 per transaction, and $2,000.00 per day total.

APR = Annual Percentage Rate.
Rates advertised are the Credit Union's best rates, subject to credit approval and may change without notice.

Enroll in HCE Online Credit Card today!
Please email, call the credit union at: (410) 461-2257, or visit our office.