Now you can have the ultimate card in your wallet...the MSECU Convenience Card. It works like an ATM card at any machine you use but also works like a debit card at retail locations. All merchant point-of-sale transactions are deducted directly from your MSECU Checking Account. Why bother carrying a checkbook and going through a lengthy "verification" procedure after you write a check? Simply use your MSECU Convenience Card instead. Works like a check but looks like a credit card.