How to Check a MasterCard Debit Balance

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MasterCard debit cards are very convenient and can be issued by financial institutions as a way to provide customers access to a checking account, savings account or money market account. You can also get a MasterCard debit card in the form of a prepaid gift card. They're even used to access your unemployment benefits or your health savings account, or HSA funds. As long as it has a MasterCard logo, you can use it anywhere you would use a regular debit or credit card. Regardless of what type of MasterCard debit card you may have, the balance can be checked in the same manner.

Using an ATM

If you're out and about, or don't have access to the internet, you can check your MasterCard debit balance at an ATM. When the ATM you're using belongs to the same financial institution that issued you the card, you will not have to pay any fees, but you may have fees if you use it at a bank that isn't yours. To check your balance, first you need to insert your MasterCard debit card into an ATM and key in your PIN.

If you have a prepaid gift card, you may not have a PIN for it. If this is the case, you cannot check the balance at an ATM. Next, request a balance inquiry from the menu options. On some ATMs you must request a “statement” instead of a “balance.” If there is a fee for this service at the ATM, it will appear on the screen, and ask you to confirm that you want to proceed before revealing your balance.

Read More: How ATMs Work

Checking Online or by Phone

Arguably the easiest way to check your MasterCard debit card balance is by calling or going online. Flip over your MasterCard debit card to look at the back of it. Scan the back of the card to see if there is a website or phone number to call to check your balance. If you have a MasterCard debit card that is a prepaid gift card, you will typically see a URL or phone number specifically for checking the balance. Call the phone number or visit the website, if listed, to check the balance. You will likely need to enter in the account number on the MasterCard debit card to have access to the balance. You will also probably need to set up an account in order to check your balance online.


About the Author

Jamie Lisse has been writing professionally since 1997. She has published works with a number of online and print publishers. Her areas of expertise include finance and accounting, travel, entertainment, digital media and technology. She holds a Bachelor of Arts in English.