Frequent Questions & Answers

Answers to the following frequently asked questions are accessed by clicking on the individual question:

ATM & Debit Cards

You can order a new Debit card by stopping by any branch or calling 513-333-3800. You may also access our online debit card order form here.

Not if you use a Cinfed ATM! If you are using a non-Cinfed ATM there are 2 types of fees associated with an ATM withdrawal, one charged by the ATM owner and one charged by your financial institution (Cinfed).  That being said, since we value our members and like to see you happy, we reimburse up to $20/month in total ATM fees for qualifying Kasasa accountholders and 6 network fees (the fee charged by Cinfed) per month for non-Kasasa account holders.  

Of course!  You can change your PIN over the phone.  Call 1-800-527-7728

Yes, you may make a deposit at participating ATMs that belong to our same networks.  You may deposit checks or cash at ATMs

That's a good question!  We do not keep your PIN on file.  If you need to reset your PIN just call 1-800-527-7728 and follow the prompts to change your PIN.

In most cases $1,000 per day.  This number may be lower or higher depending on your account relationship.

A chip card is a card with a computer chip on the front of the card, as well as the traditional magnetic stripe on the back. The chip provides added security when used at a chip-enabled merchant terminal or ATM and greater global acceptance. When you insert your chip card into a chip-enabled terminal, a unique security code is generated. This makes it extremely difficult for anyone to reuse your information and better protects you against counterfeit card fraud.

At a chip-enabled terminal, simply insert your debit card, chip first, and sign to authorize your transaction. If the retailer does not have a chip-enabled terminal, swipe your card and sign your name.

Step 1: Insert card with chip facing up

Step 2: Keep card in reader until transaction goes through


Step 3: Sign or enter your PIN. Remove card after approval.





You can set up text alerts to let you know when any transactions take place with your card. You can also have its usage restricted. Call our Contact Center or the Card Services Department if you need assistance to reduce card limit. To receive text alerts, you can register your card here.

With your new card, the first step is to be sure your new PIN is set. Call our Contact Center to confirm your account information is correct. Then you can establish your new PIN by calling 1-866-985-2273 and using the automated system. 

The new card is linked to your savings account and provides you with ATM access only. When it's linked to a checking account, the card can be used to make purchases at most retailers. Call our Contact Center or some in to one of our branches to see if you qualify to open a checking account. 

As always, it is our priority to protect our members. In an effort to protect your 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. If you are interested in renting, alternative payment methods are available and are best suited for this purchase. Our Mastercard® credit cards include an Auto Rental Collision Damage Waiver. Apply today via our online application or stop by one of our branch locations.



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


Liz and the gang have surpassed all my notions about what banking should be, they bring unparalleled customer service to the table. So much that whenever I walk in, I am greeted like good neighbors... 
— D English
I have been a member since 1968. That is the year I started with IRS. I think we have used every service Cinfed has to offer. 2 home mortgages, personal loan ,RCA, car loan. They have always been... 
— Jan, member since 1968
I love Cinfed! They treat us like family!!
— James, member since 1990
Dedicated member since 1972. Cinfed has been there every time I have needed them. Being without Cinfed now, well it would be like losing a member of the family.
— Norma, member since 1972
The one-stop banking capability for home mortgages, automobile loans, savings accounts and credit cards...all with very competitive rates...makes being a member of Cinfed a very smart, invaluable... 
— Carl, member since 1978
When purchasing a car for my daughter, Cinfed came through for me once again. They worked out every detail of the purchase loan right from the dealership lot, including setting up an online account... 
— Crissy, member since 1995
I have been a member of Cinfed almost as long as I've worked at IRS which is since 1975. I'll not bank anywhere else. The service I get from people like Jewel and Jennifer "J" at Gateway... 
— Linda, member since 1978
I joined Cinfed over 18 years ago. I love the chance that they give you to get things right. My family loves this too! What I would love to see this bank do is to notify customers via email... 
— Delores, member since 1986
When my previous bank refused to cash a corporate paycheck with one of the largest financial institutions, I went to Cinfed off of a members recommendation and without a question they cashed my... 
— Phil, member since 2008
I have had Cinfed for 14 years. They are the best bank I have ever had. They are always there to help me out of any jam I get into, with a friendly smile!!! Thank you Cinfed!!!
— Eric, member since 2001
Cinfed is pretty much the best, most helpful bank I've ever used. I previously used another local bank, but was encouraged to try Cinfed by my girlfriend. I've come to expect very little of banks in... 
— Logan, member since 2010
My husband and I have been members of Cinfed for over 25 years. When he retired, we had limited involvement with Cinfed since it was very close to our workplace, but not our home. Recently we... 
— Cheryl, member since 1981
I have been a member of Cinfed Credit Union since 1986 when I started working for IRS. I recently spent a week in the hospital and four weeks in a skilled nursing facility going through rehab. The... 
— Suzanne, member since 1986
Cinfed is special for me. I moved to several states and Cinfed is the only account I kept with me wherever I go. Through the shared branching, I get all the service I need. Whenever I call, I am... 
— Tseagye, member since 2010
Cinfed rocks! I hope you guys understand that what you are offering are not just loans and accounts but things that mean much more than that, things that keep hope alive, that help people like me... 
— Pankaj, member since 2014
I joined Cinfed after my first season working for IRS in the early 1980's. Now over thirty years later, I am still impressed with them. Every customer service representation that I have been in... 
— Ros
I've been banking with Cinfed for almost one year now and it has been a wonderful experience. They get back to you very promptly and can help you for all of your banking needs, quite efficiently. I... 
— Brandon, member since 2014
I have been a member for over 25 years. I think good service should be recognized. Julie at the Roselawn branch always gives great service with a smile. She is also a very dedicated employee. ... 
— Rita, member since 1985
I have had most of my family to join. I will never change banks, the service is great.
— Joen, member since 1988
Love them as a bank and the customer service has always been outstanding...Great job Cinfed.
— Posey, member since 1984
We've only been members for a little over a month and already feel the difference. I don't want to name names, but let's just say Cinfed is WAY better than our previous institution that rhymes with... 
— Jeff, Dawn, & Jordan, members since 2013
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
Just closed on a Home Equity line of credit loan, and the process couldn't have been any easier. With this I was able to pay off 2 high interest credit cards and deposited the rest into a checking... 
— Thomas
Recently I tried to locate the Oakley office using google maps. The google directions did not get me close to Cinfed. I called the office and Liz remained on the phone until I reached the... 
— Debbie G
As a long time member, I have always received great service from all CinFed employees. I just wanted to say a special thank you to Dee Dee Day and Dawn Strickland. I had to make some changes to... 
— John-Member since 1990
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

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