Debit/ATM Cards

24 Hour Access to your Account


Behold the power of plastic! With a United Financial Debit/ATM MasterCard you can have 24 hour access to your account. You can change your PIN at any United Financial ATM or by calling 866-762-0558.


  • Use your debit card instead of writing checks
  • Use it anyplace you see the MasterCard logo
  • Sign for purchases and use it for FREE!
  • Accepted worldwide
  • Save time and money by not having to write checks
  • There is no need to fumble with a cumbersome checkbook – when you can carry a United Financial Debit Card instead!
  • This is not a credit card
  • You’ll love the convenience of this service!

Contact us today to apply for your Debit Card!



  • Access savings and/or checking for transactions at an ATM
  • NO SURCHARGE ATMs for credit union cardholders (When used on the CO-OP or Plus Networks)
  • Accepted worldwide

Contact us today to apply for your ATM Card.

Here are a few tips to keep your ATM/Debit card safe:


  • Never write your personal identification number (PIN) on your ATM/Debit card or keep it anywhere near the card.
  • Don’t let anyone else know or have access to your ATM/Debit card and/or PIN.
  • Report a lost or stolen ATM/Debit card immediately by calling us:
    • During business hours – call 989-715-4017 to be connected to a Member Service Representative.
    • If after business hours – call 989-715-4017 ex 3.


Your United Financial Debit/ATM card had the latest Chip Card Technology.
Learn more here:
Chip Card FAQ
How to Use your Chip Card


Register your Debit Card with MasterCard Secure Code for added security when you shop online!


Would you like to dispute a charge on your Debit Card?
Please fill out this form and turn into any office. Print Form Here

Would you like to Opt-In for Overdraft Protection on your Debit Card?
Please click here to read and complete the form to Opt-In

You can use your United Financial ATM/debit card at any United Financial ATM for FREE!

If you happen to be out and about and a United Financial ATM is not near you, no worries. United Financial is a member of the CO-OP Network of ATMs. This means that you have access to over 25,000 surcharge-free ATMs across the country. That’s more than the big banks!

Click here to locate a CO-OP ATM near you!

We also belong to the Plus and Jeanie Network as well. You can use any of these ATMs surcharge-free!!

Ask us about how our UFirst Reward Checking Accounts offer reimbursement of ATM surcharges.

Information on a Debit/ATM Card

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We will respond to your request within 2 hours during our business hours, and next day for after hours.