Enjoy the Perks of a Quorum Debit Mastercard® Over 90,000 fee-free ATMs nationwide!

Use your Quorum Debit Mastercard® for all of your shopping needs. All our personal checking accounts come with a Quorum Debit Mastercard® that you can add to your mobile wallet for online or in-store purchases.

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Pay Without Plastic

Running to the grocery store for a quick trip to pick up milk?  Popping into the drugstore to grab some personal items?  You don’t need to carry your card, your wallet or a purse to make payments anymore – just use your phone!

Add your Quorum Debit Mastercard® card to Apple Pay, Google Pay or Samsung Pay, for a faster, easier checkout in-app, in-store or online.

To get a Quorum Debit Mastercard sign up for one of our Checking Accounts today.

 

 

Set Up Your Digital Wallet
Quorum Debit Mastercard in digital wallet interface, with latest transactions underneath digital card.

Apple Pay

Spend it however you like in stores, online, and in apps!

Google Pay

Use for fast, simple, and secure online payments.

Samsung Pay

Simplifies how you pay, safely.

Get more with Debit Mastercard!

Access additional Debit Mastercard benefits including insurance, retail protection and travel services! Call (800) MC-ASSIST for more information or review the Mastercard Guide to Benefits for Debit Card Holders.

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Businesswoman looks inside her empty wallet in concern, fearing identity theft.

Identity Theft Resolution Services

Personal Identity Theft Resolution Services provides you with access to ID Theft resolution services like: a Concierge Level Certified Restoration specialist who works on behalf of the cardholder on dispute resolutions, cancelling and replacing card(s), providing updates on the status of the fraud investigation and more. Call 1-800-MC-ASSIST if you believe you have been a victim of Identity Theft.

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Satisfaction Guarantee

If you purchased an item with your Quorum Debit Mastercard and you are dissatisfied with your purchase, you are entitled for a full refund within 60 days of your purchase date if the store will not accept the item for return. Items you purchased as gifts also are covered. To file a claim, call 1-800-MC-ASSIST.

Protected Funds

Zero Liability: With Quorum's Debit Mastercard, you’re not responsible in the event that someone makes unauthorized purchases with your card.

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Purchase Assurance: Peace of mind knowing that most items you purchase are covered if they are damaged within 90 days of buying them.

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Extended Warranty: Double an eligible item’s original warranty for a maximum of 24 months (applicable of the original warranty is 24 hours or less).

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Price Protection: Purchases you make with your card are covered for 60 days from the date of purchase for the difference between the price you paid and the lower price advertised.

Access to Over 90,000 Fee-Free ATMs Nationwide!

We have a network of over 90,000 fee-free ATMs throughout the country; many ATMs even accept deposits! 

We participate in Shared Branching and ATM networking to allow you hands-on, in-person access to your Quorum accounts at no additional cost. View our nationwide network of over 90,000+ fee-free ATMs and 5,000 Shared Service Centers.

Smart phone displaying Quorum’s Shared Service Center and ATM Network.

We have a network of over 90,000 fee-free ATMs throughout the country; many ATMs even accept deposits! 

We participate in Shared Branching and ATM networking to allow you hands-on, in-person access to your Quorum accounts at no additional cost. View our nationwide network of over 90,000+ fee-free ATMs and 5,000 Shared Service Centers.

Mastercard Priceless™ Experiences and Special Offers

Whether you’re looking for extraordinary travel ideas, planning fun weekend activities for the family, or trying to learn something new everyday, your Quorum Mastercard gives you access to unique experiences from Mastercard’s Priceless™ that you can share with your friends and family.

Call (800) MC-ASSIST go directly to Mastercard Priceless™ webpage:

Mastercard Priceless™ | Experiences make life more meaningful.

Adventure 6

Travel

Enjoy a VIP tour of the One World Observatory in New York City, visit the iconic Cathedral in Milan before opening hours, or recharge and escape to the tropical island of Bali.

Use your Quorum Mastercard to get you to extraordinary places and adventures.

Learn More About Priceless™ | Travel

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Arts & Entertainment

Watch a live concert at the Walt Disney Concert Hall in LA, enjoy a magical night out for two in New York City, experience a musical evening with the Miami Symphony Orchestra in Miami.

Use your Quorum Mastercard to get discounts and priority access to live entertainment.

Learn More About Priceless™ | Entertainment™

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Golf

Use your Quorum Mastercard to play golf at over 1,000 private country clubs across North America, stay at Arnold Palmer’s Bay Hill Club & Lodge and enjoy private club membership privileges, or enjoy Private Member treatment at the TPC Piper Glen in Charlotte, NC.

Learn More About Priceless™ | Golf

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Whether you’re looking for extraordinary travel ideas, planning fun weekend activities for the family, or trying to learn something new everyday, your Quorum Mastercard gives you access to unique experiences from Mastercard’s Priceless™ that you can share with your friends and family.

Call (800) MC-ASSIST go directly to Mastercard Priceless™ webpage:

Mastercard Priceless™ | Experiences make life more meaningful.

Travel with Ease with a Quorum Debit Mastercard

Your Quorum Mastercard is accepted in 80+ countries worldwide, giving you peace of mind when making purchases internationally. And with a chip card, a unique code is generated with every transaction, making it virtually impossible for thieves to steal your data or create a counterfeit card.

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Exceptional Travel Benefits

Protection, benefits and security, Quorum's Debit Mastercard enhanced features offers secure payments & benefits like airport concierge service, ID theft protection & more. Call (800) MC-ASSIST for more information or review the Mastercard Guide to Benefits for Debit Card Holders.

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Mastercard Airport Concierge

Arrange for a personal, dedicated Meet and Greet agent to escort you through the airport on departure, arrival or any connecting flights at over 450 destinations worldwide.

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Mastercard Global Service™

Mastercard Global Service™ provides worldwide, 24-hour assistance with Lost and Stolen Card Reporting, Emergency Card Replacement, and Emergency Cash Advance.

How to Use Your Quorum Debit Mastercard Internationally

Quorum does not charge additional fees if you use your debit card for international transactions. However, Mastercard charges a foreign conversion fee of 1% per transaction.

If you are traveling abroad and plan to use your Debit Mastercard, please notify us by logging into . Click on “More,” then “Card Management” then click on the card you wish to use abroad. Click on “Travel Notice” to add the dates of your travel. Any challenges, let us know at (800) 874-5544, Monday through Friday, 8:30 a.m. to 7:00 p.m. ET.

Please also keep our Cardholder Services number handy for service 24 hours a day, seven days a week, should you experience any interruption in service during your trip:

International Cardholder Services: (727) 299-2449

Domestic Cardholder Services: (888) 918-7313

You Can Set up Debit Mastercard Alerts to Stay on Top of Your Checking Account

Would you like to receive a text message or e-mail when your card is used? You can also set alerts for:

  • Purchases over a selected amount
  • International purchases
  • Online purchases
  • Declined purchases

Please note that Debit Mastercard® alerts will only alert you when a transaction is made using your card. Other transactions, such as checks or electronic transfers using your checking account number, will not trigger an alert.

Not a member? Join Today!

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Other Helpful Resources:

Why Choose Quorum?

Quorum: one of Bankrate's Best Credit Unions of 2024

One of the Best Credit Unions of 2024

Bankrate

CNET Best Of 2024

The Best Credit Unions

CNET

CNN Underscored Best HELOC Lenders 2024

The Best HELOC Lenders

CNN Underscored

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Best Checking Account for Vast Network

CNBC

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Best Credit Union of 2024 for ATM Access

Associated Press

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Best Credit Unions

Business Insider

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Best Online Banks, 2024

MarketWatch Guides

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Best HELOC for Investors

Bankrate

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Best Credit Union Savings Accounts

MarketWatch Guides

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Best Overall Credit Union Savings Account

CNBC

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2023 Diamond Award Financial Education

CUNA

Great rates and service.

Great rates and service. I recently opened a high-yield savings account with Quorum. The process was easy, online banking is comprehensive, and the rate and service were fantastic!

panslif12

Great rate!

My family and I have several savings accounts as well as a first mortgage and just opened a savings account with a great rate over 4%. Easy online application. Fully digital experience allows us access whenever we need to 24/7. Nice people Five Stars!

DCG021022

Glad we found Quorum.

Quorum is great. We feel so much more secure with a federal credit union than a commercial bank. Great staff and customer service is always patient and helpful. Rates on interest-bearing accounts are great, too. Website is user-friendly. Info is clear and precise. Glad we found Quorum.

Kathy W.

Member Reviews

CLOSE

Very helpful and professional.

Very helpful and professional.

Ibrahim

I’ve been a member for almost 30 years.

I’ve been a member for almost 30 years. I stay because the customer service professionals are excellent!

Great customer service.

Great customer service.

Barbara R

Excellent customer service.

Excellent customer service. Eddie was excellent.

Glad we found Quorum.

Quorum is great. We feel so much more secure with a federal credit union than a commercial bank. Great staff and customer service is always patient and helpful. Rates on interest-bearing accounts are great, too. Website is user-friendly. Info is clear and precise. Glad we found Quorum.

Kathy W.

I’ve been a member for over 35 years.

I've been a member of Quorum Federal Credit union for over 35 years. I highly recommend to anyone that would like low banking fees, a great banking experience and fantastic customer service.

Laurie D.

Excellent problem solvers.

I've been banking with Quorum for years. They're always very pleasant to interact with and they're excellent problem solvers. Thank you, Quorum. You're the best.

NYCBlkM4WhtM

Lifetime approval from me!

I have had checking and savings accounts for years with Quorum Federal Credit Union and have never had any problems. Therefore, when I needed a mortgage loan, I turned to Quorum. Their staff was a joy to work with. Very professional, informative and attentive to my every question, concern throughout the entire process. Quorum gets my lifetime customer approval from me.

Ruby S.

I conduct all of my banking transactions via the Mobile App.

I conduct all of my banking transactions via the mobile app. I like that I can deposit my checks, and view my account daily balances.

Marla E.

Friendly, helpful and knowledgeable representatives.

New customer. Friendly, helpful and knowledgeable representatives. They answered ALL my questions and stayed on the phone with me through the entire setup and deposit process. I hope the exceptional customer service continues. Based on my experience, so far, I would definitely recommend.

Cynthia M.

Excellence, patience and care.

Shelly's service was of excellence and she walked me through the entire claims process with ease and calmness. I greatly appreciate her customer service skills of excellence, patience and care. Thank you.

Janice J.

OUTSTANDING!

Shelly was nothing short of OUTSTANDING! Big thank you to her and her follow through.

Bob S.

Personable staff who are motivated to bring solutions.

Brand new customer. So far so good. They were able to answer all questions promptly and accurately. Will see how follow-through goes but no complaints, which is a good thing! Personable staff who are motivated to bring solutions.

Vicki P

Highly recommend.

Amazing experience with this company for the past two years. I highly recommend.

Jorgefelix S.

Extremely helpful and knowledgeable.

The Quorum representative was extremely helpful and knowledgeable. I appreciate all she did to resolve my situation.

Carl W.

I so appreciate their time and hard work.

I want to thank Adisa, Debra, Eddie and Ellie for the excellent customer service that they gave me during the past week and a half. It made a difficult experience easier to deal with. The patience, understanding and kindness that they showed me was outstanding. They should be commended on doing their job with such expertise and professionalism. I so appreciate their time and hard work.

Mary F.

They do NOT disappoint.

Quorum has been my primary bank for over 5 years where they do NOT disappoint. Not only do they offer the best interest rates with the HighQ Savings and term CDs, they are prompt to provide answers to any questions that you may have regarding transactions with a detailed explanation of both benefits and minimum balances as well as other options to avoid fees. I encourage others to use these benefits and services offered.

Sonja M.

Friendly, knowledgeable, efficient.

Service member was friendly, knowledgeable, efficient and solved my problem quickly.

Marianne M.

Love my Credit Union.

Great experience today! We even got disconnected and she called me back after my issue was solved! Love my Credit Union.

Allison W.

Excellent customer service.

Excellent customer service. Very kind, courteous, pleasant and patient!

Vince D.

Quorum is the BOMB!

Quorum Federal Credit Union is the BOMB! Best customer service, helpful & assists with any concerns. I've banked at conventional "brick mortar" banks for 50 years. The extra benefits, better rates and customer service are by far SUPERIOR to any bank anywhere. Look them up, compare as I did then sign up. They are truly the real deal.

Gary H.

Just a wonderful credit union.

Just a wonderful credit union. Very knowledgeable people with kindness and professionalism. I’m an older gentleman, you can always call and speak with a human voice, it doesn’t have to be done on the computer. It’s a wonderful organization. If you’re looking for a credit union that offers great CD rates, great customer service, and most of all is very professional, I would recommend them to anyone that is looking for those qualities and some of the highest CD rates in the country. Quorum Federal Credit Union is all five star - first class, in my opinion.

Kin F.

Great experience being a member.

Quorum is a great credit union. The staff are always so helpful, friendly, and very patient. Great experience being a member.

Carla F.

Polite, professional, helpful.

Polite, professional, helpful. What customer service should be.

Penny W.

A safe place to put your money.

This is a safe place to put your money. They have very proactive fraud prevention systems that I am impressed with. Recently, I moved a large amount of money that is going towards the purchase of a car and my account not only required a code, but I received a phone call within a half hour of my transaction from one of their professionals, Savannah. She politely quizzed me, and from every angle may I say, to establish that it was indeed me who was working within my account. The savings and CD rates are great also and, their website works like clockwork. Thank you, Quorum, for being the best!

LS B.

CD and high-yield savings rates are excellent.

CD and high-yield savings rates are excellent. Decent service for an online only bank.

Celtics

Refreshing.

I was amazed at the simplicity and speed at which things were handled today. Not something you see every day in business anymore. So refreshing.

Livin Curiously

Great rates and service.

Great rates and service. I recently opened a high-yield savings account with Quorum. The process was easy, online banking is comprehensive, and the rate and service were fantastic!

panslif12

Knowledgeable and friendly.

Bonnie was both knowledgeable and friendly. My issue was corrected immediately.

Catherine C.

This Credit Union quickly became my bank!

This credit union quickly became my bank! What started with a low-interest first mortgage refinance has turned into a first mortgage, two credit cards, a high yield savings account, fee free checking account and a checking reserve account. I pay all my bills via the online bill payment and even send physical checks from my online checking account to the landscaper and others. Member support is beyond expectation and the mobile app is robust and user friendly. Great work Quorum!

mhudson

Great rates.

I've been a member of Quorum for many years. They almost always have great deposit rates and the app is super easy too!

Tbe

Very helpful and attentive.

I have been a member of Quorum for many years. They have always been helpful and very attentive. I highly recommend Quorum for financial business.

Herminia M.

Mobile deposits went perfectly.

I was very apprehensive about doing a mobile deposit. I'm still a fan of brick and mortar but that's no longer an option. I spoke to a wonderful woman named Shelley who was just amazing with patience. She informed me of a few banking options. Everything went perfectly as she walked me through the process that I chose.

B Renee B.

Very easy to navigate across the board.

Very easy to navigate across the board, making banking from home a no-effort issue.

7 reasons to smile

Our mortgage was a breeze!

Extremely professional team, our mortgage was a breeze with all the support from Mirella and Brandi. Highly recommended!

Erika V.

Tremendously patient and helpful.

Quorum customer service was tremendously patient and helpful today. I'd phoned with two problems, which were successfully addressed with a combination of patience and professionalism.

Richard B.

I was THRILLED to be able to do mobile deposits.

Since I need to use mail to deposit checks, I was THRILLED to be able to do mobile deposits. This app works better for deposits than either of the other two bank apps I use.

Kim N.

Love everything about them.

Have been a member for 15 years and love everything about them: have a HighQ account, QClassic checking and a mortgage with them, too.

Sharon C.

Have been a faithful and delighted customer.

I joined Quorum in 1998 and have been a faithful, and delighted customer since. Any issue I have experienced has always been handled with respect, knowledge and follow-through. Can't give them enough high praise. Today I was contacted by Quorum so they could personally update me on a specific change in their policy that may affect me. What other company takes the time and consideration to do that? I don't know of any other. Adisa was the Quorum representative who contacted me. Her approachability and the fact that she consistently asked if I was comfortable in giving answers to the requests for information from me made me feel safe and comfortable. Any business who employs someone of Adisa's caliber is worthy of all my banking business! Thank you, Quorum... you guys really are The Best!

Kathy C

Always friendly and courteous.

Always friendly and courteous. Great job by the Quorum team. Great to do business with them.

Bill J.

Go with a credit union-and this is a good one.

Really nice group here; they actually work with you, much like a community bank. They are also fast and efficient.If you are tired of being gouged by the Big and Ugly banks, you should go with a credit union--and this is a good one.

Heidi K.

Great rate!

My family and I have several savings accounts as well as a first mortgage and just opened a savings account with a great rate over 4%. Easy online application. Fully digital experience allows us access whenever we need to 24/7. Nice people Five Stars!

DCG021022

Very good service and rates.

Very good service and rates.

Stan L.

View all reviews

Join an online community geared towards helping your financial well-being through top-tier financial tools, competitive rates, and award-winning customer resources. Become a member today and find out why Quorum is consistently selected as one of the top credit unions in the country.

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Frequently Asked Questions

What services are provided under the Personal Identity Theft Resolution Services?

Here are some of the FREE services you can take advantage of:

  • Concierge Level Certified Restoration specialist who works autonomously on your behalf to process necessary documentation and dispute resolutions.
  • Limited Power of Attorney (LPOA) to represent you during an identity theft event.
  • Multiple Tri-Bureau credit reports pulled at no cost to you to help ensure a complete resolution of the identity theft event and restoration of your identity.
  • Assistance from a Specialist with cancelling your credit/debit card(s), membership cards, affinity cards and more in the event that identity theft has occurred.
  • Ongoing communication with Specialist about the most current status of your fraud investigation until the identity theft situation is successfully resolved to a pre-victim status.
  • Access to a Specialist who disputes with the consumer reporting agencies on your behalf to ensure that no fraudulent information negatively affects his or her consumer report information or history. 

For a complete list of services please view your Mastercard Guide to Benefits here.

What does Zero Liability protection mean?

You don’t have to worry when you use Quorum Debit Mastercard because, like all MasterCard cards, it’s covered by Zero Liability protection whether you pay in a store, over the phone or online. As a cardholder, you’re not responsible in the event that someone makes unauthorized purchases with your card. Pay only for purchases which you have authorized on your card. Unauthorized purchases are not your responsibility. Conditions and exceptions apply. For details, click here.

What is Mastercard's Global Service

MasterCard Global Service™ provides worldwide, 24-hour assistance with Lost and Stolen Card Reporting, Emergency Card Replacement, and Emergency Cash Advance.

Call MasterCard Global Service immediately to report your card lost or stolen and to cancel the account. If you need to make purchases or arrange for a cash advance, with your issuer’s approval, you can receive a temporary card the next day in the United States, and within two business days almost everywhere else. Remember, if you report your card lost or stolen, you will not be responsible for any unauthorized transactions on your account. In the United States (including all 50 states, the District of Columbia, the U.S. Virgin Islands, and Puerto Rico) and Canada, call 1-800-307-7309. When out-of-country and in need of assistance, you can easily reach a specially trained MasterCard Global Service Representative who can help you 24 hours a day, 365 days a year, in any language. You can call toll-free from over 80 countries worldwide.

For additional information, or for country-specific, toll-free telephone numbers not listed above, visit www.mastercard.com or call the United States collect at 1-636-722-7111.

Account Information and Card Benefits: When in the United States, contact your card issuer directly for account information and 1-800-MC-ASSIST for card benefits. When traveling outside the U.S., call MasterCard Global Service to access your card issuer for account information or to access any of your card benefits.

What is Mastercard's Airport Concierge?

With Mastercard Airport Concierge, you can arrange for a personal, dedicated Meet and Greet agent to escort you through the airport on departure, arrival or any connecting flights at over 450 destinations worldwide 24/7/365. There are also certain airports where you can even be expedited through the security and/ or the immigration process.

To reserve MasterCard Airport Concierge services in advance and to take advantage of the 15% savings, visit www.mastercard.com/airportconcierge for reservations, pricing or additional information. Visit www.mastercard.com regularly for program updates and to learn about special promotional travel offers designed for Quorum debit card cardholders. Or, for more information on these travel benefits, call the number on the back of your Quorum debit card.

To view your Mastercard Guide to Benefits, click here.

How do I file a claim for the Satisfaction Guarantee benefit?

Call 1-800-MC-ASSIST to request a claim form.

  • You must report the claim within sixty (60) days of the date of purchase and be prepared to submit the following documentation within one hundred and eighty (180) days of the date you report the claim:
  • Completed and signed claim form.
  • Receipt showing the purchased item(s).
  • Statement showing the purchased item(s).
  • Itemized purchase receipt(s).
  • Written documentation from the store manager or equivalent on store letterhead documenting the refusal to accept the returned item.
  • A copy of the store’s return policy.
  • Any other documentation that may be reasonably requested by us or our administrator to validate a claim.

You must send the item to us or our administrator before any claim will be paid. Item must be returned in its original packaging along with the original owner’s manuals and warranty information. You are responsible for all mailing or shipping costs to us or our administrator. Items sent to us or our administrator will not be returned to you.

How do I order a new ATM/Debit Card?

To order a new debit card, simply follow the steps below:

  1.  online banking at quorumfcu.org.
  2. Select “Account Services” from the main menu.
  3. Select “Checking Account Services.”
  4. Select “Request a new card” and follow the steps to complete the form.
  5. Select “Debit Card Replacement,” verify your personal information, and click “Submit.”

You will receive your card in approximately seven business days.

What is my PIN for my debit card?

At the time of activation, you will be able to set your own PIN.  

If you are an established cardholder and you do not know your PIN, call (866) 985-2273.  To expedite the process, please be sure to have your debit card available. Also, please ensure you are calling from a phone number we have on file for you.

How do I change my ATM/Debit Card PIN?

To change your ATM/debit card PIN, you will need to call Cardholder Services at (866) 985-2273 from one of the phone numbers we have on file for you. You will need your card number and the last four digits of the primary member’s Social Security number. 

Can I use my ATM/Debit Card internationally?

Yes, you can use your ATM/debit card internationally. Quorum does not charge additional fees if you use your debit card for international transactions. However, Mastercard charges a foreign conversion fee of 1% per transaction.  

If you are traveling abroad and plan to use your Mastercard debit or credit card, please contact us to let us know at (800) 874-5544, Monday through Friday, 8:30 a.m. to 7:00 p.m. ET.

Please also keep our Cardholder Services number handy for service 24 hours a day, seven days a week, should you experience any interruption in service during your trip: 

  • International Cardholder Services: (727) 299-2449
  • Domestic Cardholder Services: (888) 918-7313

Why was my debit/credit card purchase declined?

If your debit/credit card purchase is declined, please contact our Member Service Team at (800) 654-7728, Monday through Friday, 8:30 a.m. to 7:00 p.m. ET. 

How do I activate my ATM/Debit Card?

To activate your ATM/Debit Card, please contact Cardholder Services at (866) 985-2273. You will need to call from one of the phone numbers we have on file for you and you will need your card number to complete activation. 

If your ATM/debit card does not have a Mastercard logo on it, your card does not require activation.

What's the difference between a debit card and an ATM card?

debit card is linked to your checking account and draws from the available money within the linked account. Your debit card can be used for point of sale transactions, PIN transactions and ATM withdrawals. When you use your debit card, funds are immediately withdrawn. 

An ATM card can only be used at an ATM terminal to withdraw or deposit money. On rare occasions, certain merchants may accept ATM transactions.