Money management made effortless.

Take control of your finances and reap the rewards with United Financial Credit Union’s checking and debit card solutions. Experience convenience, security, and flexibility like never before.

Make purchases? Check.

Pay bills? Check.

Get cash? Check.

When you need the speed of right now, you need the right debit card in your pocket. We have a variety of checking account options with different perks, access to 30,000 surcharge-free ATMs, and a team fully prepared to help you find your perfect fit.

Free ATM Withdrawals

Enjoy no surcharge on thousands of ATMs across our CO-OP network.

Rewards That Matter

Stay in control of your finances with our suite of digital banking tools, including online banking, mobile apps, and bill pay services.

Instant Issue Debit Card

Instant Issue Debit Card get your on your way, quick and efficient way to access your funds and manage your finances without delay.

We have a checking account for you!

UFirst Elite Checking

Receive an above market rate and exclusive account perks with your Elite Checking Account!

UFirst Secure Checking

Security and peace of mind with your checking

Free Checking

Enjoy a hassle-free checking account with no minimum balance requirement and no monthly fees

Fresh Start Checking

Rebuild or reestablish a positive checking account history with this account designed just for you.




UFirst Elite Checking

UFirst Secure Checking

Personal Checking

Fresh Start Checking

Minimum Balance





Per Check Fee





Monthly Fee

$3.99 a month

$2.99 a month


$5 a month


UFirst Elite Checking

Must meet monthly requirements to qualify for rate listed below.

Based on Average Daily Balance of :


$0 – $10,000


$10,001 and up



Rates effective as of July 1, 2024
Fees could reduce earnings




  • Use your debit card instead of writing checks
  • Use it anyplace you see the MasterCard logo
  • Mobile Wallets are available for your United Financial Debit Card! Register your card on your smart device and shop where Apple Pay, Google Pay or Samsung Pay are accepted.
  • 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!

You can change your PIN at any United Financial ATM or by calling 866-762-0558.

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 Network)
  • Accepted worldwide

You can change your PIN at any United Financial ATM or by calling 866-762-0558.

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.

Fraud Alerts:
Your United Financial Debit Card comes with some added fraud protection. If there is activity that appears to be fraudulent, you will receive a text message or phone call
that will ask you to confirm or deny these charges. These messages will not ask you for your Card PIN, expiration date, your account number or any other personal information. Also, these legitimate texts/calls will never request you to do a two-step authentication. If you receive a text message or phone call asking for any other or additional information DO NOT RESPOND.

DO NOT give this information out to anyone. United Financial employees will never ask for that information. Please contact the credit union if you think you may have fallen victim to this scam.


Your United Financial Debit/ATM card had the latest Chip Card Technology.
Learn more here:

Would you like to report fraud on your Debit Card? Please complete this form – Submit Form Here
First step to is to contact credit union or after hours fraud line and shut card off. Contact Credit Union to issue a new card.  We also recommend you contact the merchant to have the transaction stop or reversed.
**Important Reminder Section: The fraudulent transaction must be at a posted status to dispute. An authorization / hold does not constitute a posted transaction.

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

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



Introducing unprecedented, real-time control over your debit cards through your smartphone or tablet.

CardNav adds another level of security to your cards by letting you decide how and when they can be used, and alerting you when any types of transactions you specify take place. You can even use CardNav to set personal spending limits that help you stay within your budget goals.

  • Turn cards on or off in seconds.
  • Use GPS to restrict transactions to businesses within a designated area.
  • Limit card use to specific merchants or purchases.
  • Receive real-time, in-app alerts that let you stop unauthorized purchases before they’re complete.
  • Receive alerts when you’re getting close to any personal spending limits you’ve set.

Learn More

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 CIRRUS and Maestro/Mastercard networks as well. You can use any of these ATMs surcharge-free!! Ask us about how our UFirst Elite Checking Accounts offer reimbursement of ATM surcharges.

Helpful Financial Resources and Calculators

Online Banking

Manage your accounts from anywhere, anytime

Mobile Banking App

Stay connected to your finances on the go

Bill Pay Services

Simplify your bill payments and never miss a due date

Financial Education Resources

Learn how to make the most of your checking account and debit card

Boost your savings potential with a Certificate of Deposit!

Life is better when you’re a member.