Swipe. Spend. Simplify.

Escondido Federal Credit Union's MasterCard™ Debit Card fits in your wallet but can replace your checkbook. It works like a MasterCard™ credit card but accesses funds from your EFCU share draft account. No interest to accrue or balance to pay off. Swipe the card rather than write a check. How convenient is that? Your MasterCard Debit Card is accepted wherever MasterCard™ is.

Excellence in Debit Cards

Digital Wallets

Tap. Pay. Go.

Take your EFCU MasterCard™ Debit Card into the digital age. Securely add your debit card to your phone’s digital wallet for fast, secure checkouts in-store or online. 

Digital wallets protect your information by using encrypted, device-specific numbers—your actual card details are never shared with the merchant. With fingerprint or Face ID authentication, payments are quick, safe, and effortless—no PINs, signatures, or chip readers required.

Apple Pay

Apple Pay makes shopping faster and more secure by letting you pay with your iPhone, Apple Watch, or iPad—no need to pull out your wallet.

  • Your card details are never shared with merchants, and every transaction is verified with Face ID, Touch ID, or your device passcode.
  • Setting it up takes just a minute: open the Wallet app, tap the "+" icon, and follow the prompts to add your EFCU card.

Samsung Pay

Samsung Pay offers a fast, secure way to pay in stores or online using your Galaxy phone or smartwatch.

  • Your card details stay protected with tokenization and biometric authentication like fingerprint or facial recognition.
  • Getting started is simple — just open the Samsung Wallet app, tap “Add card,” and follow the steps to add your EFCU card.