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Access with your Cinfed Debit Card

Access your checking account 24-hours a day with your Cinfed Debit Card. Withdraw cash from an ATM or use your Debit Card instead writing checks for large or small purchases, wherever MasterCard is accepted. There is never a fee when you use this card and your signature for purchases. Use this card and your PIN number for purchases to get cash back up to four times per month with no fee.

You can use your Cinfed ATM/Debit Card at any Cinfed-owned ATM anytime and there is never a fee. Cinfed also offers two nationwide networks for Surcharge-Free access to your Cinfed account.

Alliance One

Alliance One logoAlliance One, founded in 1998, is a nationwide cooperative group of credit unions, community banks and thrifts that have joined forces to give their cardholders surcharge-free access to ATMs all over America that are owned by other members of the Alliance One cooperatives. That cooperative spirit not only gives you more convenient ATMs to choose from, it also leaves that extra $2.00 where it should be - in your account.

Allpoint ATM Network

Allpoint logoCinfed Credit Union has added over 55,000 ATMs to our surcharge-free network. Cinfed has partnered with Allpoint, the largest surcharge-free network, providing our members more surcharge-free access for cash withdrawals.

Where can you find an Allpoint surcharge-free ATM? Inside many local retailers and places you already visit. Retailers where you can find an Allpoint ATM include: Target, CVS, Kroger, Costco and Shell gas stations. Just look for the Allpoint logo on the ATMs. Click here to view our Member Guide.

ATM Fees

There are two types of fees associated with an ATM transaction: a Surcharge and Network Fee.

A surcharge is a fee the owner of the ATM charges when ATM cards (or Debit Cards) from other financial institutions are used in its ATMs. For example if you used your Cinfed ATM card in a Fifth Third ATM, Fifth Third Bank would assess a Surcharge. You can avoid the surcharge by using any Cinfed, Alliance One or Allpoint ATM.

A Network Fee is charged for accessing the ATM network and applies when you use any ATM that is not owned by Cinfed. You receive four Network Fee-free ATM transactions per card per month regardless of which ATM you use.

Remember, there is never a fee for using your Cinfed ATM/Debit Card at any Cinfed owned ATM.


Fill out an application online, click Debit Card Application or click Application Form to download a printable application

NOTE: Other transaction fees may apply to Surcharge-Free ATMs. Click to view ATM fees. See fee schedule for full listing of fees.

For Lost or Stolen Debit Cards, call 1-866-820-8859



Cinfed Credit Union
4801 Kennedy Avenue
Cincinnati, OH 45209
(513) 333-3800
Routing #242076656


They always go above and beyond at the Oakley branch and truly care about each of their members. And, I absolutely love their kids' membership program. It makes it fun for them to learn about money... 
— Courtney Snow
Been a member since I moved to the Queen City in 1978. Cinfed has always provided customer service that other financial institutions only dream about. Thank you for almost forty years of outstanding... 
— Tim Grabenstein
I recently became a member here at CINFED and it was the best decision I have ever made. I walked in with tears and despair and left with dry eyes, a smile, and I even received a hug from the branch... 
— Melanie
Earlier this year my much younger sister passed away and with that many obligations were to be met by my husband and myself ..My sister was survived by a daughter and son. We have since then taken on... 
— Vonda
How lucky I am to have Liz Frey managing the office I use! I live in Florida but maintain Cinfed as my main banking office. Everytime I need special help a simple email or call to Liz and it is... 
— Debbie G
Emily Snyder took the best care of my two auto loans. She was professional, courteous and very knowledgeable of the available services for me. She went out of her way to make sure I felt like I was... 
— Sarah Amyotte
I have been member with Cinfed since 1986. The Roselawn Cinfed staff greeted the customer phone calls friendly and polite willing to help you with your needs. They have excellent customer service.... 
— Marian Dudley
I have been a member of CINFED since about 1981 when I was transferred from SLC, Utah with the US Army Recruiting Command and have always received excellent service and support . Hope Dee Dee is... 
— Robert Olguin
I have been a member at the Roselawn Branch for a long time and I couldn't be more satisfied with the customer service. No matter how often I come in with a question or issue and no matter what... 
— Andreya T Williams
I been a member since 1985 and can not imagine banking anywhere else. This credit union as taken care of my every need. 24/7 services is excellent.
— Edward, member since 1985
I have been a Cinfed member for years. I know I can depend on them to provide excellent service. The bill pay on line is great and every time I visit the Florence branch I am met with friendly... 
— Jan Ricks
Closed a loan in 24 hours! Absolutely unheard of! Thanks to the exceptional customer service of LeAnn Rose at the Turfway Branch! She went above and beyond by providing unexpected expedited service! ... 
— Christina Stull
I recently applied for a credit card online. I received a call from Emily Snyder explaining what needs to be done next. It was easy and Emily’s customer service was excellent. Emily is a great... 
— Johnnie Bush
I met Emily Snyder because I had a flat tire in the parking lot of Cinfed Credit Union. I didn’t know what to do and she offered to help me. It was late in the evening and I didn’t think anyone... 
— Cindy Hyatt
Emily Snyder took care of setting up a consolidation loan for me on Saturday. She was very friendly, professional, and explained very articulately all the steps involved. Emily also opened a new... 
— Sally A Arbogast
I recently closed for a car loan and a credit card with Susan Z. Her service was excellent. We closed in a couple of days. She was so helpful with her knowledge. It was a pleasure to deal with her.
— Glenda Adkins
I cannot say enough good things about the service I have always received from Cinfed! Most recently, we refinanced a vehicle and dealt with Emily S.! She was quickly responsive and on top of her... 
— Serena Kain
I can say a million great things about Cinfed Credit Union and how they helped me over the years ,But there are many helpful service members, but one Great lady Is Mrs Susan Z. She is an Awesome... 
I have to say I think the new online banking update is pretty awesome. I love that the app is more up to date, clean and user friendly. Happy to be a customer with Cinfed.
— Kyle Neises
I have member with Cinfed for 24 years. The customer service is beyond great. Everything from daily banking to loan services. I recently purchased my daughter a car and originally it was going to be... 
— Tira Williams

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