LAPFCU MasterCard® Debit Cards


Travel plans in your future? Please let LAPFCU know before you go! Help ensure we don’t inadvertently block your card due to apparently suspicious charges.

With your LAPFCU checking account, you receive a free EMV, chip-enabled debit card – the latest, safest in card technology. Instead of swiping your credit card, you will use a “dipping” method of placing your card in a terminal slot while the chip is being processed. However, most merchants still have the “swiping” method as an option. In addition to extra security, our LAPFCU debit card comes with:

  • Access to over 30,000 CO-OP Network ATMs nationwide
  • Account balances and purchases can be viewed 24/7 in the LAPFCU app and PATROL Online Banking*
  • Text alerts with smsGuardian* and SecureCode for extra security with online purchases


Lost or Stolen Debit Cards: 877-MY-LAPFCU (877-695-2732); After-hours 800-662-6075

Transaction Assistance: 888-526-0404, Our of U.S. 206-352-4954

smsGuardianTMFor Debit Cards

The best way to beat debit card fraud is to catch it early and stop it. That’s why LAPFCU has smsGuardianTM, a system that notifies you when a signature-based transaction is performed with your LAPFCU debit card. If you receive an alert* for a purchase you didn’t make, and confirm that it’s an unauthorized transaction, a notification will be sent to a fraud analyst so that an immediate block can be placed on the card.


MasterCard® SecureCodeTM for Online Debit Card Purchases

Add an extra layer of security and peace of mind to you online purchases with this free service. Simply register and create a SecureCode. When you make online purchases, a window will pop up asking for your SecureCode. Once correctly entered, your card issuer confirms that you are the authorized cardholder and you can complete the purchase. If no code is provided, or the wrong one is entered, the purchase will not be completed.

This extra layer of security for your debit purchases is free! Register today!


Learn more about SecureCode here

See Frequently Asked Questions

*Standard data usage rates may apply. Ask your phone service provider for complete details. 1116-42