ATM Card

Use the CEFCU Debit Card and your Personal Identification Number (PIN) for free access to your CEFCU accounts at any CEFCU ATM. In addition, you can complete balance inquiries, transfers, and withdrawals at nearly 30,000 CO-OP ATMs nationwide, and more than 601,000 Cirrus® locations worldwide.

With your Debit Card and PIN, you can pay for purchases and receive cash back at more than 310,000 NYCE® merchant locations.


  • Quick and convenient
  • No need to carry cash or checks
  • No charge for transactions
  • No minimum transaction amount*
  • Cash back available at many terminals

CEFCU offers Overdraft Protection, which may allow your ATM transactions to be approved, even if you do not have enough money in your account. You may opt in for Overdraft Protection or contact CEFCU for more information.

When using your card at a merchant, funds are immediately deducted from your CEFCU Checking account. Contact CEFCU today to request your card.

*ATM withdrawal from an Insured Money Market Account (IMMA) must be at least $200. There is a $1 service charge for each Cirrus transaction on non-Money Center 24 ATMs, and the ATM owner also may charge you a usage or surcharge fee. ATM and Fast Track Teller cash withdrawals, purchases with your PIN, and signature purchases with your CEFCU Debit Card are subject to daily limits.