Girl with credit card on laptop


With a Christian Financial 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

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

Want to change your PIN?

For your financial safety, we have placed the phone number to change your PIN in Online Banking. Once logged in navigate to accounts and then scroll down for the phone number. Or after your first PIN is established, you can visit one of our ATMs and change it right there. 

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 branch 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 drawn off a member's account at Christian Financial or another financial institution
  • 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

Q. Can I really use my card for purchases without paying interest charges?

A. Yes. Since the money for your purchase comes directly out of your checking account, there are no interest charges unless you access you overdraft your account or use a non-CO-OP ATM.

Q. Are there any fees to use the card?

A. No. This card is FEE FREE. When you make a purchase at a merchant you may be prompted to choose between a “debit” and a “credit” transaction. Please choose “CREDIT”.

Q. Is it safe?

A. Absolutely! You’ll have $0 liability for any unauthorized transaction… and carrying your card is much safer than carrying cash.

Q. What other benefits will I enjoy?

A. Your Christian Financial Debit card can get you out of checkout lines fast because you won’t have to wait for check approvals. Every purchase will be listed on your monthly checking account statement, which can simplify your record keeping.

Q. How do I change my PIN number?

A. Go to any Christian Financial ATM machine and change your PIN there. Don't have time to make it to a branch? Call 1-800-503-9249 and enter the card reference number. You will also need the card expiration date, as well as the primary date of birth on the account.