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ATM and ATM Debit Cards

There's always an ATM nearby. With our ATM card, you can withdraw cash from your checking or savings account, make deposits, transfers, loan advances and balance inquiries at thousands of locations. You may use your MSEFCU ATM card at any machine displaying the STAR, CIRRUS, ACCEL/EXCHANGE, EXCHANGE DEPOSIT, AMERICAN EXPRESS and CO-OP logos. With EXPLORE (the point of sale system), you can use your ATM card to pay for your purchases out of your checking account.

A member may withdraw up to $500 a day. There are no transaction fees for our members to use MSEFCU ATMs. Our ATMs are available 24 hours a day, 7 days a week, unless the system is being serviced, or if the ATM is located inside a facility, such as a shopping mall, it is available the same hours as the facility. In addition, MSEFCU ATM cards have access to thousands of ATM's worldwide.

Our ATM card offers:
24-hours a day, 7 days a week, worldwide access to your funds.
Unlimited FREE withdrawals if members use MSEFCU owned ATMs (6 free withdrawals per month at non-MSEFCU owned ATMs.
Withdraw up to $500 per day, our ATM locations

CO-OP network ATMS

MSEFCU is a member of the CO-OP Network, the largest credit union only ATM network in the country. CO-OP network membership provides surcharge free access at over 28,000 ATMs, which include over 9,000 deposit taking and 5,500 7-11 locations throughout the US and Canada. CO-OP network membership has access to over 900,000 ATM's worldwide through links to NYCE, STAR, Cirrus, Pulse and Plus. So wherever you may be, you can access the ATM CO-OP Network ATM locator online at http://co-opnetwork.org or call 1-888-site co-op (1-888-748-3266)

ATM Debit Card

Our VISA ATM Debit Card offers the ultimate in convenience! It's also safe and eliminates the necessity to carry your checkbook or cash. Members who have an A+ Checking account are eligible to apply for our ATM Debit card. It allows you all the benefits of our regular ATM card, plus gives you more purchasing power. Instead of writing checks to pay for purchases, you can hand the merchant your ATM Debit Card and the amount is automatically withdrawn from your checking account. And, you can use it anywhere you see the VISA logo. Like our regular ATM card, there is no annual fee and no transaction fees when using MSEFCU owned ATM's. To apply, call 209-383-5550 or 800-542-2345 ext. 114/115 or email us

To report a lost or stolen ATM card, call 209-383-5550 or 800-542-2345 ext. 114/115.

To report a lost or stolen ATM Debit card, call 209-383-5550 or 800-542-2345 ext. 114/115, or after hours call 800-472-3272.

ATM/Debit Fraud Monitoring, 800-262-2024

We may be calling you. To protect your account, we monitor your ATM/Debit card transactions for fraudulent activity. If we suspect fraudulent activity we will call you to validate the legitimacy of your transactions. Please keep us informed of your correct telephone number, cell phone number and address at all times.

MSEFCU checking account information

To find the nearest accessible ATM, just look for the logos below, or call the 800 number shown on the back of your card.

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More information on our products, services or feedback on our Web site | Phone: 209-383-5550 or 800-542-2345 | Fax: 209-383-2308 | Email Us


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