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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

Choosing the right credit card is easier than ever. Whether you want to pay down balances faster, maximize cash back, earn rewards or begin building your credit history, we have the ideal card for you! No matter which card you choose, you’ll enjoy important features like:

Convenient and flexible purchasing power, accepted at millions of locations worldwide

Mobile purchasing capability for added convenience

Zero fraud liability1 – you won’t be liable for fraudulent purchases when your card is lost or stolen

Cardmember service available 24 hours a day/365 days per year

1Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardholder must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.

The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., and Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.