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Mastercard® Debit Card


Security, convenience and worldwide acceptance in one card

Make purchases around the corner or around the globe, and enjoy the most advanced chip-enabled security features.

  • Speed, security and safety 
  • Worldwide acceptance
  • Funds are deducted directly from your checking account
  • Easily manage your transactions in real-time

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Worldwide Acceptance
with around-the-clock customer service with lost and stolen card reporting

Zero Liability Protection
means you can Shop with confidence 

Available with any Checking 
and works on any device


Account Features

  • One card. So many benefits
  • Zero Liability Protection from unauthorized charges
  • Fraud monitoring 24/7
  • Travel Notification
  • The card can be used at any ATM
  • 24/7 Lost or Stolen Card Assistance

Contactless Debit Card - Just Tap & Pay.

With a contactless Debit Mastercard with a chip, simply hold your card near the merchant's terminal to tap and pay. 

Here's how:

  • The indicator on your card means you can tap to pay anywhere you see the contactless symbol.
  • Look for the contactless symbol at checkout.
  • Tap or hold your contactless card near the contactless symbol on the checkout terminal.

Choose whether you tap, insert, or use the magnetic stripe for your transaction. With contactless, you can speed up your transaction and avoid touching the terminal.


Other considerations

A $3.00 ATM transaction fee (per transaction) will be assessed if you use a non-LegacyTexas ATM. Royal Account holders are exempt from this ATM transaction fee; however, the other bank's ATM surcharges apply If your checking account is linked to an overdraft line and you activate the line, the standard rules and fees apply to the amount borrowed

Frequently asked questions

Do I need to use a Pin with my Mastercard chip card?

Yes, in most cases you’ll input your PIN for debit card purchases. For certain types of transactions involving relatively small purchase amounts, you may not be required to input your PIN or sign for the transaction.

Where can I use my chip card?

You can use your card where you always have, at millions of places that accept Mastercard® Debit cards, at home, and around the world.

How am I protected by Mastercard’s Zero Liability Policy?

If your card is lost or stolen, you are protected against unauthorized transactions. As a Mastercard cardholder, Zero Liability applies to your purchases made in the store, over the telephone, online, or via a mobile device and ATM transactions. As a cardholder, you will not be held responsible for unauthorized transactions if:

  1. You have used reasonable care in protecting your card from loss or theft; and
  2. You promptly reported loss or theft to your financial institution.

If you believe there has been unauthorized use of your account and you meet the conditions above, rest easy knowing you have the protection of Mastercard’s Zero Liability promise. For additional protections with respect to unauthorized transactions, please contact your local banking center or our Customer Service at +1-281-607-1005. Note: Zero Liability does not apply to the following Mastercard payment cards: commercial cards, or unregistered prepaid cards, such as gift cards.

What to do:

If you have questions regarding Zero Liability coverage or you suspect unauthorized use of your card, contact your financial institution immediately.

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