Debit Card | Michigan Credit Union Debit Card

One card can allow you to accomplish more.

You can use the UMCU Debit Card at millions of stores, hotels and restaurants worldwide. It's also great for travel planning and online shopping. And if you need actual cash, use your card at one of thousands of surcharge-free ATMs conveniently located around Michigan and across the country.

Accepted at millions of worldwide locations that accept Visa cards
No annual fee
EMV chip technology to protect your personal and financial information
Works at any UMCU and CO-OP Network ATM with no transaction fee
Overdraft protection available for your UMCU account
Receive your UMCU debit card at any branch or by calling 734-662-8200

Special Debit Card Notices:

Visa has a 1% international service fee to convert transactions outside of the United States that will appear as a separate transaction on your statement.
The credit union reserves the right to block transactions due to a high incidence of fraud from certain merchants. Please contact us at 734-662-8200 for information about our affected merchants.

Credit Cards

Whether you're looking for a lower interest rate card or on with a cash-back bonus, UMCU has credit card options that will fit your needs.

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Courtesy Pay

Courtesy pay is an additional service provided to members to use in case of an emergency. This can be used when writing a check, authorizing an ACH transaction or using your debit card. If funds are not available for any reason, Courtesy Pay will cover your purchase.

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Overdraft Protection

Sometimes the unexpected happens, and UMCU’s Overdraft Protection can help you manage those moments and gain peace of mind. This service will automatically transfer funds from your UMCU savings if there’s not enough funds in your checking account to support an upcoming transaction.

Debit Cards

Credit Cards