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
Visa after hours:
Debit/ATM after hours: