Debit Cards

EMV Chip Card

Get the security of a checking account with the convenience of an ATM card.  Use your Debit Mastercard at an ATM to get cash or use it at your favorite restaurants or at any participating merchant to purchase clothing, groceries or gasoline and the transaction will clear your checking account as if you had written a check for those items.  Your Debit Mastercard is accepted everywhere Mastercard is accepted at over 11 million merchants worldwide.

Debit Card Application


To Report a lost or stolen Debit Card call the credit union at 231-726-4871.  After hours call 1-888-241-2510.

If your Debit Card is denied or if you receive a fraud alert call and want to speak with someone live, call the credit union at 231-726-4871. After hours call 1-888-241-2440.


New security and control for cardholders

Introducing real-time control over your Muskegon Co-op FCU credit or debit cards through our Mobile App.  Our Mobile App allows you to manage your credit or debit cards from your phone or tablet.  You can lock or unlock your card at any time.  Keep your card locked until you are ready to use it and then unlock it for each purchase.

Lose your card?…
If you lose your card, you can temporarily lock your card to prevent someone from using it.  This gives you peace of mind until you can contact the credit union to notify them that your card is lost.  You can also report your cards as lost or stolen through the App.

You can also view recent card transactions.  This will help detect fraud faster if you notice any unauthorized charges.

Download our App today!


Co-op Network ATMs

You’ll have access to over 30,000 surcharge-free Co-op Network ATMs nationwide.
Co-op Network has the largest ATM network with more ATMs than any of the big banks. Compare below:

Co-op Network – 30,000
Chase Bank – 18,000
Bank of America – 16,000
Wells Fargo – 12,000
Citibank – 10,000
PNC – 6500
Fifth Third – 2300

There are Co-op Network ATMs on many college campuses including:

  • Ball State University
  • Central Michigan University
  • Eastern Michigan University
  • Jackson Community College
  • Michigan State University
  • Notre Dame University
  • Oakland University
  • University of Michigan
  • Wayne State University
  • Western Michigan University

You can search for a Co-op Network ATM near you with one of the ATM locators below:

  • Call 888-7483-2667 (888-SITE-COOP) to access our voice locator.
  • Text your address or zip code to 692667 (MYCOOP) and receive a list of Co-op Network ATMs near you within minutes. Normal text fees apply.
  • Visit our website at muskegoncoop.com and under the online banking login find the “Locations & ATMs” link.

Credit or Debit?

When using your debit card, if the cashier asks you if it’s a “credit” or “debit” transaction, answer “credit”. The amount of the transaction will still be deducted from your checking account, but it won’t count toward your total debit withdrawals. As a “credit” transaction you can simply sign your name instead of using your PIN.

Say “Credit” to simply sign your name at retailers and restaurants.

Reasons to use your signature instead of your PIN when using your debit card at a retailer:

  • PIN-based transactions are limited to $500 in a 24-hour period
  • PIN-based transactions are limited to 5 transactions in a 24-hour period
  • PIN-based transactions are charged a fee after your initial free debit withdrawals from our Member Rewards program

Sign & Save

Mastercard SecureCode.

Mastercard SecureCode is an innovative service offering secure Internet shopping, using your preferred form of Internet payment – the debit card. MasterCard SecureCode lets you add a personal SecureCode™ to your existing card, getting added security and the reassurance that only you can use your card online.

When you purchase online, MasterCard SecureCode issues a receipt at the end of the checkout process. The receipt includes details of your current purchase, such as site name, purchase amount and date. You sign the receipt using your personal SecureCode and click “Submit” to proceed with the purchase. Without your SecureCode, the purchase cannot take place.

Once you’ve registered and created a SecureCode, each time you make an online purchase, a window will pop up asking for your SecureCode like using your PIN at the ATM. When you correctly enter your SecureCode, you confirm that you are the authorized cardholder and your purchase is completed. If the correct code is not supplied, your financial institution cannot confirm your identity and the purchase will not be completed. No code, no confirmation, no purchase.

Sign Up

Here are the steps to register once on that website:

  1. Select “register now”
  2. Agree to terms/conditions
  3. Enter card #
  4. Provide primary member’s soc/birth date/zip code
  5. Build profile