ATM/MasterCard Check Card - First Community Federal Credit Union

Think of your ATM or MasterCard Check Card as your 24 hour access to money …when and where you need it most!

Your ATM Card provides access to your savings and checking accounts at thousands of Surcharge-Free ATMs to make transfers, deposits or withdrawals.

Your MasterCard Check Card acts as your ATM card and more. It's accepted wherever MasterCard® is used and is safer and easier than writing a check. You can either use it by entering your PIN where available, or simply treat it like a credit card and sign for the transaction. Either way, the funds are safely withdrawn from your checking account.

See "Opt In" section below to learn more about opting in for additional overdraft protection on purchases made with your Check Card.

Spend Any Time Shopping Online? MasterCard Secure Code puts you in control: Only you can approve purchases using your private SecureCode™. If you already have your card, click here to enroll.

To Activate & Select Your PIN (or update your PIN at any time)
Call 1-866-985-2273 from your primary phone (must match what is held on file with FCFCU)

Before ending the call when activating your new card, you MUST select a 4 digit PIN. At any time by calling this number, you may select a new PIN. You may be asked for the last 4-digits of the cardholders Social Security Number to complete this process.

Choose to “Opt In” For Future Overdraft Protection Click here to opt in today

From time to time, an ATM or Debit Card purchase may cause your account to overdraw the available balance. A new regulation has gone into effect requiring you to “opt in” in to continue overdraft coverage on your account in the case of an ATM or Debit Card overdraft.

If you choose to not opt in for this continued coverage, we will not be able to authorize to pay overdrafts on your behalf for every day ATM or Debit Card transactions. Checks you write or other pre-authorized ongoing automatic bill payments that you have withdrawn from your account will continue to be covered, at our discretion, when Courtesy Pay is eligible on your account or when any one of our other overdraft protection options is available on your account.

What fees will I be charged if First Community FCU pays my overdraft?

Under our standard overdraft practices:

Smart Line*: The current interest rate is 15.00% APR, and begins to accrue from the date the transaction is covered. Available lines of credit range from $300 to $1,500. Effective 11/1/2011, an additional $2 service charge will apply when accessed via an overdraft (waived when accessed by 24 Hour Phone transfer, in-branch or 24 Hour Online Banking transfer)

First Reserve Line of Credit*: The current interest rate is as low as 6.49% APR, and begins to accrue from the date the transaction is covered. Available lines of credit range from $1,500 to $25,000. Effective 11/1/2011, an additional $2 service charge will apply when accessed via an overdraft (waived when accessed by writing a First Reserve LOC check, 24 Hour Phone transfer, in-branch or 24 Hour Online Banking transfer)

Available Balance in Savings: When balances are available from your Share Savings Account, a $2 transfer fee is charged, and the amount needed to cover the overdraft is automatically transferred to cover the purchase

Courtesy Pay Privilege: When your account is eligible for this coverage, we will charge you a fee of $29 each time we pay an overdraft.

Opt In For Future Protection
If you also want us to authorize and pay overdrafts on ATM and everyday debit card transactions, click here to enroll online or call (269) 382-9845 or toll-free (866) 993-2328.