How did we ever survive before debit cards? Quick, convenient and paperless transactions match the pace of your busy life. Use your PFCU debit card to pay for items or withdraw money directly from your checking account throughout Michigan and beyond.

Your debit card empowers you to use ATMs for several tasks: 

  • Withdraw cash 
  • Deposit funds
  • Transfer money
  • Submit loan payments
  • Inquire about your account status  

Debit Card Prewards are HERE!

Prewards are coupons on your debit card.  Receive discounts at merchant locations without having to clip coupons or remember redemption codes.   SHOP.  SWIPE.  SAVE.

How Does It Work?

  • Step 1:  Log in or register and view your Prewards
  • Step 2:  Receive email alerts or text messages with Prewards offers
  • Step 3:  Go to your favorite merchant and use your debit card to redeem your Prewards!

It's That Simple!

With PFCU's debit card members receive two free transactions per month at ATMs not owned by PFCU. Transaction fees will be assessed to each transaction that occurs beyond your two free transactions. Also, you will be subject to any surcharge fees that non-PFCU ATMs may charge for using their machines.

Your Personal Identification Number (PIN) is the key to accessing your account through an ATM. Your PIN should be a unique series of numbers that you can remember and keep confidential at all times.

Co-Op Network


Reporting a Lost or Stolen Debit Card

  • Notify PFCU immediately.
  • During business hours, call 517-647-7571 to talk to a representative.
  • Call our automated phone system (LUCY) at (800) 647-5829. Select option #2 and follow the prompts.
  • After our business hours, call 800-528-2273 and follow the prompts.
  • Visit one of our office locations.

ATM Safety Tips

It’s important to secure your personal information while using an ATM. Follow these tips to increase ATM safety and reduce fraud.

  • Choose a well-lighted ATM and park close to it. Have someone come with you when using the machine at night.
  • If someone is using the machine ahead of you, stand back to allow them privacy.
  • Have your debit/ATM card ready when you approach the ATM.
  • Fill out all forms beforehand. Stand directly in front of the ATM so no one sees you enter your PIN.
  • If anyone or anything seems suspicious while using the ATM, cancel your transaction and return later.
  • Pocket your cash immediately and count it later. If you are followed after leaving an ATM, drive to a public area where people are congregated.
  • Memorize your PIN. Never write it on your card or card envelope.
  • Never discuss your account or account balance with anyone or give information on your account or PIN over the phone.
  • Never allow anyone to use your card or PIN.
  • Don’t withdraw money for a credit union “official” person. No representative, auditor, state law enforcement officer or police officer will ever ask you to withdraw money from an ATM for any reason.
  • Keep your receipts and verify each transaction against your statement. If you have an unexplained ATM transaction, contact us immediately.
  • Report a lost or stolen card immediately.
  • Carefully read the Electronic Funds Transfer (EFT) agreement and disclosure you receive.

Become a member today and experience debit card convenience with us. If you have any questions, use our live chat support feature at the top of this page or contact us.

Please review PFCU’s Electronic Funds Transfer Disclosure.

NOTICE: It is possible that online merchants may ask you to register your card for the 3D secure code.  The Mastercard secure code is the 3 digit CVV or CVC number on the back of your card.   If you are asked to register this code, you can do so, here

Get a Debit Card