How can I apply for an ATM / Debit card?There are several ways to apply for an ATM / Debit card. You may visit any branch location and receive your card instantly or you can access the ATM/Debit card order form online by clicking here. Once you've accessed the appropriate form, simply complete the necessary information and then mail it or fax it back to Member Services. It's simple!
• Mail to: Member Services, 27000 Evergreen Road, Lathrup Village, MI 48076
• Fax to: 248-443-4295
• If you prefer, an application can be mailed to you, just call our Member Service Department at 1-800-664-3828 and they will be happy to mail one out or you can pick up an application at any of our branch offices.
What is the difference between credit and debit?Credit card: A credit card is a loan (line of credit) that is issued by a lender. When a consumer uses a credit card they are incurring debt and can either pay the balance off immediately or they can pay it off over a period of time.
Debit card: A debit card is not a (loan) credit based transaction. When a consumer uses their debit card the funds are debited from the account associated with the card, such as a checking. When using a debit card the consumer can usually select "debit" or "credit". If debit is selected, the user must enter a PIN (Pin Number). If the user selects "credit" they don’t have to enter a pin number. If credit is selected the funds are held in your checking for several days or until the merchant submits the transaction for posting from your account.
At what age can you get a debit card? To qualify for a debit card a member must be 18 years or older if they are on the account by them self, otherwise they must be at least 13 years old with a parent or guardian joint on the account who can assume responsibility of the card by signing necessary forms.
What form does the joint owner have to sign to get a debit card? A joint member can request a Debit/ATM card by completing a Debit/ ATM application. The application can be found on Michigan First Credit Union website or by visiting one of our
branch locations, or by calling our Member Service Department
contacting us.
If a member's ATM card was previously blocked can they get a replacement card and if so when?Blocking (capturing) ATM/debit cards can be done for several reasons. Provided the credit union has not suffered a loss, and is satisfied that a liability is not present for the credit union or the member, a card maybe unblocked or a replacement issued. Please
contact us to determine if your card can be unblocked or a replacement issued.
How do I request a new PIN for my ATM/Debit card? You can request a new PIN number for your ATM/Debit card by completing a PIN reorder form or by visiting a branch with the card and valid identification. The form is available at all branch offices or on our website (
click here), once completed please Fax the form to our Branch Support Team at 248-443-4282. The PIN will be mailed to you within 7-10 days. You can personalize your PIN at any branch location for immediate results. (Valid identification is required).
How do I report a lost or stolen ATM or debit card? Please
contact us immediately!
What is the daily cash withdrawal limit on my ATM & debit card? In general, ATM transaction limits are $600 per day. If the system is offline then the limit is reduced to $260.00. Debit transactions are based on your balance in your checking account with a daily limit of $5,000.00 and an offline limit of $500.00. The credit union may lower or cancel these limits based upon account status, history or from information provided by Chexsystems or the credit bureaus.
How is a debit card activated? When your card arrives in the mail it will instruct you to call an 800 number from your home phone number to activate your card.
How long does it take for an ATM deposit to clear? Deposits or payments made in an ATM, whether in cash, check, draft or money order, are subject to verification, and the funds of such deposits and payments to share, share draft or loan accounts may be held until they can be collected from the machine, verified and entered into our accounting systems. Funds from any deposits (cash or checks) made at ATMs won’tt be available until the second business day after the day of your deposit. If you make a deposit at an ATM after noon or on a day that our offices are not open, we may consider the deposit made on the next business day we are open. If you place a check, draft or money order in the machine as a deposit or payment, it is subject to collection in accordance with your account agreement with Regulation CC and us.
Can members choose their own PIN (Personal Identification Number) for their ATM and debit cards? The ATM and debit cards are initially assigned PIN numbers when they are created. If you wish to change this PIN please visit a branch. You’ll be required to have your card and valid identification to personalize your PIN number.
Where can I find a surcharge-free ATM? Please click here for a listing of Michigan First Credit Union owned ATM machines and branch locations. MoneyWorks Banking Centers, kiosks and high speed coin counters located at our Meijer in-store branches allow 24/7 access to your account. In addition we belong to the CU Service Center Network, giving members 24-hour, surcharge-free access to thousands of ATMs nation- and worldwide.
Click here for a listing of these locations.
Why doesn't my Credit Card, ATM or Debit card work? Your card may be damaged or the following may have occurred:
Preauthorization holds are affecting the funds that are available to you and preventing a withdrawal or purchase. Make sure you haven't exceeded daily withdraw limits - ATM- $607.00 daily (this figure may be lower under certain circumstance). Card may have been captured by Michigan First Credit Union for various reasons.
Is your credit union loan delinquent?
Have you made 3 or more attempts with the wrong pin number?
Check holds may be placed on the funds available. Please contact our Member Service Department for assistance,
Is there a fee to order a new Visa/ATM/Debit cards? Here is a complete list of our
fees.
What am I charged to make a withdrawal at an ATM machine? If you use your ATM or Debit Card at a Michigan First Credit Union ATM or a CO-OP Network ATM the transaction is free. If you use your card at a foreign ATM machine the fees may vary, the owner of the machine decides what to charge. The credit union provides five free ATM or Debit card transactions at a foreign, non-CO-OP network ATM machine. Each additional transaction incurs a small fee. Please click here for a listing of Michigan First Credit Union owned ATM machines and branch locations. In addition, we belong to the CU Service Center Network, giving members 24-hour surcharge-free access to thousands of ATMs nation- and worldwide.
Click here for a listing of these locations.
What is the difference when I am asked to use my Debit card as a credit or debit and why do I sometimes have two account balances? There are primarily two ways to use your Michigan First Credit Union MasterCard debit card: (1) with a PIN (Personal Identification Number), also known as a "debit" point of sale; and (2) Signature-based, also known as a "credit," which sometimes requires your signature. Whenever you use your debit card with a PIN (debit), the money is deducted from your account at that time. Whenever you use your debit card as Signature-based (credit), the money is immediately put on hold in your account until the transaction clears. This means, the money is not available for use and constitutes a preauthorized hold. A preauthorized hold is placed on your account for the amount of your debit card transaction or purchase. The hold can be on your account for up to three business days or whenever the purchase transaction actually clears your account, whichever happens first.
Whenever you use your debit card, the money is either immediately withdrawn from your account or put on hold and is not available.
IMPORTANT TO KNOW: ACCOUNT BALANCE: The Balance is the actual amount of funds in your account. The Available Balance is the balance in your account minus all debit and/or credit transactions pending to clear. Your available balance may be affected by holds placed on deposited check items as well.
DEBIT CARD INFORMATION MAKING RESERVATIONS: Whenever you use your debit card for reservations such as airline, rental car, or hotels, the reservation amount may be placed on hold and reduce your available balance.
OTHER TRANSACTIONS: Many gas station pay-at-the-pump transactions will reflect only a hard hold of $1.00 until the actual purchase amount clears your account, so it's up to you to know what you've really spent and subtract it from your account balance.
KEEP GOOD RECORDS: It's important to keep a record of your account by subtracting what you've spent from the balance in your account. Michigan First Credit Union offers many ways to help you verify and reconcile your account including Online Banking, Money Work, and ATM balance inquiries.
What are the fees for a foreign ATM? Fees can be charged by the owner of the machine and the financial institution that issued your card. Fees at a foreign ATM machines may vary, the owner of the machine decides what to charge.
Please click here to view the current Michigan First Fee schedule. Please click here for a listing of Michigan First Credit Union owned ATM machines and branch locations. In addition we belong to the CU Service Center Network, giving members 24-hour, surcharge-free access to thousands of ATMs nation- and worldwide.
Click here for a listing of these locations.
What are hold amounts?A hold amount is usually a pre-authorized charge on your Debit/ATM Card or your credit card. The merchant swipes your card and the transaction is authorized. We place a "hold" on the balance until the transaction is actually posted which is normally in 3-5 days from the date of authorization. A hold amount could also be from a deposit that is made in the office or at an ATM. If a hold is placed on a deposit made in the office, you’re notified of the time frame and dollar amount of the hold. All ATM deposits are held for a minimum of 3 business days and can be extended based on dollar amount.
Can I make an ATM deposit when I'm out of state?Yes, provided the financial institution is part of the CO-OP Network and indicates the terminal accepts deposits. If you’re out of state and need to locate a terminal that accepts deposits within the network
please click here.
Can I use my Michigan First Credit Union Debit Card for a car rental?Yes. You can use it wherever the MasterCard logo is displayed.
Can a debit card be used internationally?Yes, MasterCard is accepted around the world at retail outlets and ATM machines, where you see the MasterCard (or Maestro/Cirrus) sign.
How can I dispute an ATM or debit withdrawal or transaction on my account?Dispute documents need to be completed, please visit any of our branch offices or
contact us.
Do you charge a fee to use the ATM at the Service Center Branches?We are happy to inform you that we do not charge a fee when you use your ATM or Debit card to withdraw cash from an ATM at the Service Center locations.
Please click here for a listing of CU Service Centers.
Q: What are the fees for a foreign ATM?Fees can be charged by the owner of the machine and the financial institution that issued your card. Fees at a foreign ATM machines may vary, the owner of the machine decides what to charge. Michigan First offers a network of ATMs, and fees can be found online. In addition we belong to the CU Service Center Network, giving members 24-hour, surcharge-free access to thousands of ATMs nation- and worldwide.
What are hold amounts? A hold amount is usually a pre-authorized charge on your Michigan First Credit Union Debit/ATM Card or your Michigan First Credit Card. The merchant swipes your card and the transaction is authorized. Michigan First places a "hold" on the balance until the transaction is actually posted which is normally in 3-5 days from the date of authorization. A hold amount could also be from a deposit that is made in the office or at an ATM. If a hold is placed on a deposit made in the office, you are notified of the time frame and dollar amount of the hold. All ATM deposits are held for a minimum of 3 business days and can be extended based on dollar amount.
Do you charge a fee to use the ATM at the Service Center Branches?No fees are charged when you use your ATM or Debit card to withdraw cash from an ATM at the Service Center locations.
Can I make an ATM deposit when I'm out of state?Yes, provided the ATM that you visit is owned by a financial institution is part of the CO-OP Network and indicates the terminal accepts deposits.
Can I use my Michigan First Debit Card for a car rental?Yes. You can use your Michigan First Debit Card wherever the MasterCard logo is displayed.
Can a Debit card be used internationally?Yes, MasterCard is accepted around the world at retail outlets and ATM machines, where you see the MasterCard (or Maestro/Cirrus) sign. Currently, you can use your card in more than 24.6 million locations worldwide (verify).
How can I dispute an ATM or DEBIT withdrawal or transaction on my account?Dispute documents need to be completed, please visit any of our branch offices or call our Member Services team.
