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ATM/Debit Cards

UMCCU offers two types of plastic cards: ATM and Debit. These cards offer a convenient way to access funds, make purchases, and obtain account information.

An Upper Michigan Community ATM card allows you access at nearly 30,000 surcharge-free CO-OP Network ATMs. That is more than most banks. CO-OP ATMs can be easily located using the link on our website or downloading CO-OP’s mobile App.

Access your checking account 24 hours a day, 7 days a week with your MasterCard® Debit Card. Your debit card works like an “electronic” check. When you use it, your purchase amounts are taken directly from your checking account. Use your card anywhere that MasterCard® is accepted.

It’s simple to use:

  • Looks like a credit card but funds come from your checking account
  • Accepted at all MasterCard® location
  • Withdraw cash from ATMs
  • Cash back in-store option
  • Use in-store, online or by phone

Lost/Stolen Cards

Visa after hours:
1-800-828-3901

Debit/ATM after hours:
1-800-754-4128

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