Debit Card Travel Tips

You can use your Marblehead Bank debit card anywhere you see the Mastercard logo, which means you can withdraw cash and buy goods at millions of shops, restaurants, and hotels around the world.*

  • To help prevent an interruption in debit card access when you travel domestically or internationally, we recommend that you set a travel notice on the card(s) you plan to use while traveling. There are 2 ways to do this:
    • Sign in to Online Banking and send us your trip details through secure bank mail
    • Call Customer Care at 781.631.5500 (Mon.-Wed. 8:30 a.m.-4:30 p.m., Thurs.-Fri. 8:30 a.m.-7:00 p.m., and Sat. 8:30 a.m.-12:30 p.m., excluding holidays)
  • Never travel abroad with only one form of travel money. Bring along a credit card or some travelers checks in case your Debit Card (or ATM card) is stolen or doesn’t work.
  • Because of fraud rules, even legitimate transactions could be declined. Therefore, using your debit card strictly as a PIN based transaction will significantly decrease your chances of your transaction being declined.
  • Use your Debit Card at an ATM to withdraw cash as another option to pay for purchases.
  • Make sure you have enough money in your account to cover your trip expenses, and then some. Running out of cash overseas is every traveler’s nightmare.
  • Most foreign ATMs require a four-digit numeric Personal Identification Number (PIN).
  • Debit cards often give you a better exchange rate than you’ll receive at currency exchange bureaus.
  • Find out your daily withdrawal limit before you leave. Keep in mind, ATMs have daily withdrawal limits which may or may not match those imposed by Marblehead Bank.
  • Many foreign ATM networks offer instructions in English, but not all of them.
  • Some foreign ATMs are available only during normal business hours.
  • Withdraw enough cash to cover expenses should you travel to small towns. Many do not have ATMs.
  • Most foreign ATMs only permit transactions involving your primary linked account.
  • If you’re unable to use your debit card at an ATM, use it to get an over-the-counter cash disbursement at a local bank. Fees may apply.
  • Put your money and your card away immediately after making a withdrawal. Count your money later, out of public view.

*Maestro and Cirrus, two of the largest ATM networks, belong to MasterCard.  However, in some countries, ATMs are everywhere, but you won’t find any Maestro or Cirrus ATMs in Turkmenistan.  Therefore, take a few minutes to research ATM availability.  MasterCard offers online ATM locators.  If you can’t find an ATM in the cities you plan to visit, you’ll need to find out about exchanging travelers checks or cash.


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