FDIC-Insured - Backed by the full faith and credit of the U.S. Government.
DIME DEBIT MASTERCARD®
The power to manage your money is in your hands.
Dime Debit Mastercard puts you in greater control of your money with more tools.
It’s easy as tap and go.
The security you need.
- Contactless Chip Card Security
Contactless chip card technology ensures your transactions are more secure. - ID theft protection*
Provides expert guidance and support for victims of identity theft. - Global service
Receive 24-hour support with lost and stolen cards. Plus emergency card replacement, and cash advances worldwide. - Zero liability protection**
Protects you if your card is lost or stolen. - Fraud monitoring text alerts***
With Dime Fraud Monitoring, you’ll receive a text message if our system detects suspicious activity on your card. - Protect yourself from fraud!
Here at Dime, your security is our number one priority. To learn how to protect yourself and your finances, visit dime.com/security.
The convenience you want.
- Manage Cards through Personal Online Banking
Complete control over how and where you use your card, and spend alerts to help reduce risk. - Extended Warranty*
Doubles the original manufacturer’s warranty for eligible items purchased with your Mastercard. - Satisfaction Guarantee*
Covers most purchases up to $250 if the cardholder is dissatisfied with a product. Must be within 60 days of purchase and the merchant will not accept returns. - Load it in your digital wallet
Use Dime Debit Mastercard to pay with your smartphone. - More ways to pay
Use your card online, set up auto bill pay, or pay with a tap or swipe. - Make record keeping simple
Funds are deductible directly from your account, which you can see online.
Please see the Mastercard Guide to Benefits for debit cardholders for details on your Dime Debit Card.
Debit Card FAQs
Activating your Dime Debit Card
Cards can be activated by calling the automated system at 800-824-2237 or speaking with an agent at 800-321-DIME option 3. Only personal cards can also be activated by logging in to personal online banking and accessing the Cards application. For business cards, we recommend validating the information of the person whose name is embossed on the card when attempting to activate the card.
Viewing Debit Card transactions and setting spend limits & controls
Details regarding debit card transactions can be viewed through personal online banking or through the Card Valet app for our business debit card holders. Set limits and alerts, track card use and turn your card on and off if needed. Keep in mind that there may be a few days (usually between 1-3 days) where a transaction is reflecting as a preauthorized “pending” hold which gives the merchant time to validate the status and funding of the account. The amount of the initial pending transaction may not reflect the correct amount or may even appear duplicated. This will adjust when the transaction fully settles to the account and the initial pending transaction no longer appears.
Transaction declines
Transactions on a card can decline for many reasons, including account status, incorrect card details entered or usage of an expired or closed card. Check the card to confirm the current one is being used and review your account to confirm the status and if there’s sufficient funds. When the activity on your card matches known patterns often associated with potential fraud, then the bank will contact you to verify transactions. Respond promptly if the transaction is authorized by you to continue uninterrupted access to your card. You may also contact the debit card servicing department 800-321-DIME 24 hours/7 days to review any transaction declines. To protect your account, the bank also sets daily and weekly limits on the dollar and velocity of transactions. Please call 800-321-DIME or your local branch to find out more.
Protecting your card from unauthorized use
• Use tap-to-pay contactless methods to avoid contact of your card at POS terminals
• Check the card reader at ATMs and gas pumps before inserting a card to identify tampering
• Use online banking to temporarily freeze your card and to set limits and alerts.
• Review card transactions online and on monthly statements carefully and regularly. Pending transactions may not end up posting or they may post with a different amount than preauthorized. Monitor your account to confirm if these transactions will need to be disputed.
Compromised cards
Cards are compromised through a variety of means, including data breaches, physical theft, card skimming at physical establishments and online phishing scams. The bank will notify you if there’s a high-alert compromise of your card. Promptly report any unauthorized transactions as quickly as possible by calling 800-321-DIME. Our Card Servicing department is open 24 hours/7 days to service you.
Disputing a transaction
Promptly review your card activity regularly. For unauthorized charges, turn off your card through the Cards tab in personal online banking or Card Valet for business customers. Then call the debit card servicing department at 800-321-DIME (select 3 for Debit Cards) to review activity, permanently close the card and initiate a dispute. For service or product disputes, it is recommended that the merchant is contacted immediately so they can assist with remediating the issue by canceling the order or adjusting the price before a dispute is opened. If a transaction is pending, you will need to wait for the transaction to post to the account before disputing since the amount that posts may be different than what was initially preauthorized. Disputes involving a service or product purchase may take time to resolve due to network guidelines providing the merchant time to respond and resolve a claim. Monitor any bank communication requesting additional information to avoid a lengthy delay in resolving the matter on your behalf.
Explore additional personal banking services.
Experience the benefits of a truly comprehensive service tailored to your individual needs.
Download Dime Debit Mastercard® Brochure
You can download a brochure version (PDF) of this page and its subpages by clicking the button below.
* Terms, conditions, limitations and in some cases enrollments are applicable – please see the Mastercard Guide to Benefits for Debit Cardholders.
** You’re not responsible for unauthorized transactions that you promptly report to us if you have taken ordinary care of your card and PIN.
***Transactions are subject to limits on the amount and frequency of transfers to and from your account. These limits are designed to be flexible in order to protect the security and integrity of the service and accounts, including protecting you and all other users of the service. These limitations may be based on confidential fraud and risk criteria that are essential to our management of risk and the protection of you and the integrity of the service and may be modified at our sole discretion without advance notice.