Frequent Questions & Answers

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

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 (see qualifications here) 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 866-985-2273

Yes, you may make a deposit at participating ATMs that belong to our same networks. You may deposit checks or cash at ATMs. Funds may not be immediately available for withdrawal. Visit your nearest Cinfed location or contact us at 513-333-3800 for more information.

We do not keep your PIN on file. If you need to reset your PIN just call 866-985-2273 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.





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. 



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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