Woman using credit card while sitting on couch


With a CFCU Visa Debit Card you have the power to make purchases at restaurants and retailers wherever you are! Plus, you have access to one of the largest fee-free networks of ATMs and shared branches in the country, with the Co-Op Network!

Instant Issue

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

 Want to change your PIN?

 You can call 800.503.9249 and enter the card reference number, or you can visit on our ATMs and change it right there. If you call to change your PIN number, you will also need the card expiration date, and the primary date of birth on the account.

 Lost or Stolen Card

Be sure to report your card lost or stolen by calling 800.754.4128. If you need a new card right away you can visit one of our CFCU locations and get a card instantly issued to you!

Need an ATM on the road?

Visit the CO-OP Network to find one of nearly 30,000 Surcharge Free ATMs nationwide! 

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!
Instant Issue Debit Card - Visit one of our locations!
Activate your card - 1.800.466.0040
Report Lost/Stolen - 1.800.754.4128
PIN Change - 1.800.503.9249 (must have your card reference number, expiration date, and birth date of the primary account holder.) You can also change your PIN at any CFCU ATM!