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.
Automatic Teller Machines provide a convenient way to withdraw cash or make deposits 24 hours a day, at thousands of ATMs across the country and around the world. Your card permits transactions at any ATM in the world that displays the Alliance One, PLUS or Cirrus emblem.
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, 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
Cinfed 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.
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.
Your Debit Card and Renting a Car
In an effort to protect our members’ assets and minimize the risk of loss debit card transactions at rental car companies are not authorized. Rental car companies are authorized to withdraw additional funds for drop charges, unpaid parking tickets, traffic violations and vehicle damage. By using a debit card, these transactions are withdrawn directly from the members’ accounts and may result in large negative balances.
Using a credit card is the most secure form of payment for rental car purchases. Our Platinum and WorldCard MasterCards carry no annual fee, and include an Auto Rental Collision Damage Waiver. Apply today by downloading an application here or stop by one of our branch locations.
As always, it is our priority to protect our members
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
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