Add an ESSA Debit Mastercard® to your ESSA Checking Account1 for maximum security, convenience, and access.


  • Mastercard® ID Theft Protection2: Protect your personal information, detect potential fraud early, see suspicious activity and take action immediately, and repair problems quickly with help from Mastercard® experts.
  • $0 liability for unauthorized purchases3: Applies to purchases made in the store, over the telephone, online, or via a mobile device and ATM transactions.
  • ESSA's Monitoring for Debit Card Fraud: We watch for potentially fraudulent activity and send a text notification to validate transactions.


  • Contactless Pay: Contactless checkout is ideal when speed and convenience are essential. No need to fumble with cash or getting back change! Use it at millions of merchants that have contactless card readers.
  • Manage your finances: When you use your ESSA Debit Mastercard® funds are deducted directly from your checking account. You have an electronic record of every transaction, which can be a real time-saver and makes keeping track of what you spend a snap.
  • Accepted almost everywhere: Your card will be accepted at millions of merchant locations worldwide1, including restaurants, hotels, and online retailers. You can even use your card to automatically pay monthly bills.


  • 24/7 Access: If you need cash, use an ATM1 anytime, anywhere!
  • Support Services: For lost or stolen cards simply call 800.472.3272 for fast, friendly service.
  • Digital Wallet: Your ESSA Debit Mastercard® is compatible with Google Pay® and Samsung Pay.®


Mastercard Identity CheckTM

Today’s card-not-present authentication solution means greater insights and better decisions.  Mastercard Identity Check leverages the latest multi-layered authentication standards to help complete more transactions without disruption and ensures the right protocols are followed so that Mastercard can properly authenticate the transaction.

And best of all…it comes free with your ESSA Debit Mastercard®!


ESSA's Monitoring for Debit Card Fraud:

To protect your account, we monitor your debit card transactions for potentially fraudulent activity which may include a sudden change in locale (such as when your U.S. –issued card is used unexpectedly overseas), a sudden string of costly purchases, or any pattern associated with new fraud trends around the world. If we suspect fraudulent use, we will send a text notification to the cell phone on file for you to validate the transaction(s).  If you do not respond to the text message(s), we may call you.  Your participation in responding to our text or call is critical to prevent potential risk and avoid restrictions that we may place on the use of your card.

Our automated text or call will ask you to verify recent transaction activity on your card, which you will be able to do via your touch-tone keypad.  If you prefer not to use the automated call system, take note of your case # and then call our fraud center at 877-253-8964.

Additionally, foreign transactions may be restricted due to the high risk of potential fraud.  Fraud risks are monitored on a daily basis and countries are blocked accordingly.  Please contact your local branch or our customer support at 855-713-8001 for more information.

Our goal, quite simply, is to minimize your exposure to risk and the impact of any fraud.  To ensure we can continue to reach you whenever potential fraud is detected, please keep us informed of your correct phone number and address at all times.  In the meantime, please be diligent in monitoring transaction activity on your account and contact us immediately if you identify any fraudulent transactions.

  1. Additional fees may apply.
  2. These are summary descriptions only. Certain terms, conditions and exclusions apply. To learn more about Zero Liability, visit Contact your issuing financial institution for complete coverage terms and conditions or call 1-800-MASTERCARD (1-800-627-8372) for assistance. Applicable to U.S. cardholders only.
  3. Certain terms, conditions, and exclusions apply. Cardholders need to register for this service. This service is provided by Generali Global Assistance, Inc. Please see your guide to benefits for details or call 1-800-MASTERCARD.

Mastercard® is a registered trademark, and the circle design is a trademark, of Mastercard® International incorporated. All third-party trademarks are property of their respective owners