3712 N. Main St. (at Hwy 146) | Liberty, Texas 77575



Mastercard Debit Card

Card ServicesLCTFCU offers access to your funds 24 hours per day, seven days per week through the convenience of a Mastercard Debit/ATM Card. The Debit Card acts like a credit card, but the funds are deducted directly from your Share Draft (checking) Account. This card can be used at ATM locations nationwide and at any merchant where Mastercard credit cards are accepted.

  • For the security of our members, a Personal Identification Number (PIN) will be issued. Please keep this number secret and secure. Never store the card and the PIN in the same location. Notify the credit union immediately if your card or PIN is lost or stolen.
  • Withdrawals are free to members when they use their LCTFCU Mastercard Debit/ATM Card at the LCTFCU owned ATM located at 3712 N. Main, Liberty, Texas 77575. LCTFCU does NOT assess a fee for withdrawals from ATMs owned by other institutions; however, the owner of that machine may impose a surcharge at the time of the transaction.
  • There is NO fee assessed when the Mastercard Debit Card is used for retail purchases.
  • A nominal monthly service charge of $1.00 is assessed accounts with an ATM/Debit card.
  • Overdrafts from ACH, ATM, Debit Card or other source, whether paid or returned, will incur a fee as disclosed in the Fee Schedule.
  • Automatic transfer from another account to cover an overdraft will incur a fee as disclosed in the Fee Schedule.

Refer to the Fee Schedule, the Truth in Savings Disclosure and your Account Agreement for all terms related to Regular and IRA Shares and Share Drafts (checking).


The zero liability rule will now apply to all transactions conducted with a MasterCard branded card, including PIN-based transactions at Point-of-Sale and ATM. Previously zero liability only applied to Point-of-Sale.

A Cardholder will not be liable for any unauthorized transaction, as long as the cardholder has exercised reasonable care in safeguarding the card from risk of loss or theft, upon becoming aware, promptly reporting the loss or theft to the issuer. Previously, if the conditions were not met your liability was the lesser of $50 or amount of the property, labor or serviced obtained by the unauthorized use prior to your notification to us. This maximum of $50 has been removed.

If you should have any questions regarding this notice, please do not hesitate to contact a Member Service Representative at the number listed in the heading.

© 2008 Liberty County Teachers Federal Credit Union. All rights reserved.