Woman using credit card while sitting on couch


Need cash when the Credit Union is closed or you are out of town? Get a CFCU Debit card today! With a Debit Card, you can also use your card to make purchases at merchants across the globe. Insert your card, and select "Credit" to complete your transaction. This service is available anywhere our debit card is accepted. 

For more helpful information on debit cards visit our How To page, or our FAQs page

Instant Issue

CFCU offers instant issue debit cards. You don't have to wait 7 to 10 business days for a new card. You can get a debit card quickly and easily at any CFCU location.  

Find A Location


As an added security feature to our Debit Cards, your card usage is monitored for suspicious activity. In the event that a suspicious transaction comes through, you will receive a phone call or text message to your mobile phone from Falcon, our monitoring service. You will be asked to verify the transaction. In the event the transaction cannot be verified, your card will be declined. We encourage you to make sure Christian Financial has an accurate telephone number where you can best be reached at in case of this event. A cell phone number is highly recommended if you plan on traveling and using your Debit Card, and if you would like to receive text messages.

Locate a Surcharge-Free ATM

Click here to locate the CFCU ATM nearest you, or visit the CO-OP Network to find one of nearly 30,000 Surcharge Free ATMs nationwide (including ATMs located inside of 5,300 7-Eleven Stores nationwide.) 

On the road? Download the free CO-OP ATM Locator app.

App-Store-Badge-transparent.png    Google Play Store 

Card Service Charges

Card/PIN replacements $5.00
Cash withdrawals at a Non-CO-OP ATM $1.75
Visa Gift Cards $3.50


Overdraft (NSF, Courtesy Pay) Service Charges

  • Returned deposited items
  • Non-sufficient funds (drafts, debit card transactions, debit card ATM withdrawals/purchases, pre-authorized withdrawals or bill pay items)
  • Items (ACH, checks, debit card transactions and online bill payment) paid by Courtesy Pay
$28.00 per presentment
Overdraft transfers from one deposit product to another (system-generated) - 
Essential Checking is allowed 4 total free per month across all Essential Checking accounts. Additional transfers are subject to this fee. Overdraft transfers from Lines of Credit are free.
  • Imposed for overdrafts created by checks, ATM withdrawals, debit card transactions at the Point of Sale, Bill Payments, ACH or by other electronic means.
$1.50 per item
Negative account fee for accounts with a negative status of 15 days or more $0.50 per day
Stop payment on checks or ACH $28.00 or $56.00 per series

Contact Us

Call us at 586.772.6330
Send us an email
Find a Branch Location

Useful Links and Resources

Purchase Alerts - Sign up today!
Activate your card - 1.800.466.0040
Report Lost/Stolen - 1.800.754.4128 Blocked Countries for Debit Card Use:
Iran, North Korea, Sudan and Syria
PIN Change - 1.800.503.9249 (must have your card reference number, expiration date, and birth date of the primary accountholder.) You can also change your PIN at any CFCU ATM! 
Debit Card Benefits | Roadside Dispatch Visa provides FREE 24-hour access to roadside assistance such as towing, jump starting, fuel delivery, lockout services and much more.