When it comes to choosing a credit or debit card, you want an option that will give you the most bang for your, well, buck. From our easy Debit MasterCard™ to our premium credit options, we have a card for every lifestyle – no matter what your spending habits are.

What’s best for me?

Works Best ForSource of FundsAvailable BalanceINterest ChargeCredit Report
Debit CardSomeone who wants to make purchases conveniently, while still controlling spending and avoiding debtFunds for Debit Card purchases come from your companion Checking AccountYour available balance on your Debit Card is the same as the available balance in your Checking accountThere is no interest charge on a Debit Card, and nothing to pay backUsing a Debit Card does not impact your Credit Report
Credit CardSomeone who needs more funds than they currently have available and is able to pay back any used balances. It’s also handy to have a Credit Card available for handling emergenciesThe company providing you the Credit Card gives you a set amount that you can spend, which must be paid backYour available balance on your Credit Card is the remaining balance of any unused portion of the credit line granted to youThe company providing your Credit Card will charge you interest to use their funds, and you must pay back all used funds plus interest. Paying the balance in full each month can help you avoid paying interest and is a good way to manage your cardUsing a Credit Card does affect your Credit Report, and can be a great way to build a solid credit history as long as payments are made on time

Debit Cards

Dedham Savings Debit MasterCard™ – Use your Debit Card to make purchases anywhere Debit MasterCardTM is accepted. Stay in control of your money and spend any amount up to the available balance in your checking account. You can also use your card at any SUM or Allpoint ATM.

Instant Issue

Your new card is issued on the spot, so you don’t have to wait for it to arrive in the mail.

Debit Card Controls

Keep your card secure. Use Debit Card Controls to keep tabs on where, when, and how your card can be used.

Planning to Travel?

Give us a heads-up first, so your card works wherever you go.

Lost or Stolen Card?

It happens. Here’s what to do.

Credit Cards

Whether you’re looking to build credit or earn rewards, we’ll help you find a credit card that works for you. You can spend any amount up to your credit limit (based on factors like your credit score, income, and more).

Visa® Platinum Card

Working to pay off other balances? Use this no-fees card to save on interest with a long introductory period, so you can reach your goals faster.

Visa® Real Rewards Card

Earn 1.5 points for every $1 you spend, with no limits on what you can earn. And we like to start things off right — so you’ll get 2,500 bonus rewards points for making your first purchase.

Cash Rewards American Express® Card

Earn more for your everyday spending. Get rewarded for the purchases you make most, like at gas stations and supermarkets.

Premier Rewards American Express® Card

Earn up to four times the rewards, with no limits on the points you can earn. And if you spend $1,000 in the first three months, you’ll get 10,000 bonus rewards points. Not bad, right?

The creditor and issuer of these Cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., MasterCard International Incorporated, and American Express. MasterCard is a registered trademark of MasterCard International Incorporated. American Express is a federally registered service mark of American Express.