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.

To Report a dispute on your Debit Card call 833-395-0404.


New security and control for cardholders

Introducing real-time control over your Muskegon Co-op FCU credit or debit cards through our Mobile App using the Manage My Cards feature.  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.  You can also set it up to send a text message every time your card is used.

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!


Fraud Detection and Notification System

Muskegon Co-op FCU is upgrading our Fraud Detection and Notification System. Starting June 2, 2021 our fraud alert team will send a text message to the member if suspicious activity is detected on their debit card. The text message will include transaction details such as date, dollar amount, merchant name, location, etc. If the transaction was authorized and valid, members can select “Yes”. If the transaction was not authorized, members can select “No” or contact the credit union. If the fraud alert team does not hear back from the member, they will attempt to call the member on the primary phone on the account to verify the transaction. Members must have their cell phone listed as the primary phone number on file with the credit union. If you have any questions, please contact the credit union at 231-726-4871.

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