Your Money Wherever You Are. With a free GCU Discover debit card, you'll have the freedom of account access wherever you go.


Benefits of ATM & Debit Cards

Unlimited transactions at stores and ATMs 

Subject to your daily dollar limit and the availability of funds in your account, you can use your ATM or debit card as often as you like without a transaction fee.


Over 30,000 free ATMs nationwide

Use the free ATM at your GCU branch, or use any of the ATMs on the nationwide ATM Alliance One Network for free. Just look for the Alliance One logo. Find a free ATM here



ATM & Debit Card Details

Account Information 
  • Subject to qualification. Checking required for GCU debit card

  • No Monthly Fee

  • $2 each out-of-network ATM transaction

  • 1% on multiple currency transactions and 0.8% on single currency foreign transactions
  • Other miscellaneous fees may apply



Discover Debit Card Details

Personal Consumer Benefits:

  • Lowest Purchase Price Guarantee reimburses you up to $250 if you find the identical item for less within 60 days.

  • Identity Theft Defense provides access to specialists and services if you’re a victim of identity theft.

  • Zero Liability Protection guards you against unauthorized use of your GCU Discover debit card.*

  • Travel Assurance Services provides you emergency cash, return airline tickets, and lost card replacement if your card is lost or stolen while traveling.**


Lost, Stolen, or Compromised Debit Card?

To report a lost or stolen GCU Discover Debit Card, call 800-528-2273.

If your card is lost, stolen, or compromised, stop by a branch location for an instant issue replacement card. 


Signature vs. PIN based Transactions:

Please consider using a signature-based transaction (credit) if you are uncertain of your PIN or if your PIN-based transaction has been declined for any unknown reason.



Are you traveling out of the country and need help?

Contact GCU via phone or email if you are having any problems with your debit card in a foreign country. Click here to contact us.



More Information 

Benefits FAQs Contact Us



*Please refer to your Benefits Guide.

**Requires prior enrollment to receive lost card replacement, emergency cash and airline ticket replacement; subject to terms and conditions. Call 1-877-493-6273; select option 3. Mention Member #894140001.


Discover® and the Discover Acceptance Mark are service marks used by Guardian Credit Union under license from Discover Financial Services.


For additional information, please refer to the complete program terms and conditions for information 

including restrictions, limitations and exclusions.