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Make everyday purchases easy with an MMFCU Visa® Debit Card.
Make life a little easier with an MMFCU checking account and Visa® Debit Card
Never worry about having cash on hand when you have an MMFCU Visa® Debit Card. Pay for your purchases online, in store or restaurant by using your card or a digital wallet.
Securely store your credit and debit cards as digital versions on your mobile device.
There are many different apps like Apple Pay®, Google Pay™, Samsung Pay® that you can use to house this information. Each app will help protect your security by not storing your card number or any personal information.
You can even use MMFCU’s Mobile App to ‘push’ your debit or credit card information into your digital wallet, saving time. Then use your phone to pay on the go, in app or online.
Stay informed of your card activity and protect against fraud with alerts and controls for your debit or credit cards.
Alerts and Controls for MMFCU Credit and Debit Cards are available in Online Banking and Mobile App. Take a few minutes to set-up your preferred alerts and controls for each debit and credit card.
Debit Card Perks
Forgot your card at home? Waiting on a new card to arrive in the mail? You are now able to get the credit or debit card details needed in Online Banking or Mobile App. With this convenience we’ve added the security of requiring a multi-factor authentication (MFA) code to access these details to make sure your information is secure.
Noticing fraud or even an error on your account can be frustrating. In order to help you report those errors or purchases that you did not make, MMFCU has a tool that you can use any time anywhere located in Online Banking or the Mobile App. Whether you need to dispute a debit or ATM card transaction or an automatic payment, you have the option to do that from the convenience of your home, work or even on vacation.
Let us help you save! Round-Up Savings is available with each of our checking accounts. It’s as simple as using your Visa® Debit Card. After every purchase, we deposit the difference between your purchase amount and the nearest whole dollar into your savings account.
Manage Your Account Anywhere
Online Banking
Discover more ways to monitor your accounts in Online Banking. Set up alerts and controls to keep track of your spending on your debit card! Lock or unlock your debit card and even set up travel notifications when you go on vacations.
Mobile App
Banking anywhere you are is easy with MMFCU’s Mobile App. Similar to Online Banking, you can manage your accounts 24/7 with just your mobile phone! With additional online services that allow you to deposit a check into your account from anywhere, transfer funds and even monitor your credit score!
Remote Deposit
Make your check deposits from the comfort of your home or out running errands with Remote Deposit in the Mobile App. Don’t worry about finding time to go to an MMFCU office to deposit your checks when you have access 24/7.
Why Choose MMFCU?
Frequently asked questions
We're here to help, wherever you are on your financial journey.
- How do I report fraud on my debit or credit card?
There are a few ways to report fraud or fraudulent charges on your debit or credit card.
If you notice fraudulent charges on your debit card you can:
Submit a dispute for the charge(s) that are fraudulent in Online Banking or the Mobile App. Instructions on how do this can be found here.
- Contact us at (218) 829-0371 during business hours.
- Stop into your local office.
- Call 1-866-820-8776, after hours or on weekends.
To report fraud on your credit card please:
- Contact us at (218) 829-0371 during business hours.
- Call 1-866-820-8776, after hours or on weekends.
- How do I report my debit or credit card as stolen or lost?
To report your card as lost or stolen, please contact our staff during business hours at (218) 829-0371 and use 1-866-820-8776 for your debit card and 1-866-820-3862 for your credit card, after hours and on weekends. You can also use Online Banking and the Mobile App 24/7 to report your card as lost or stolen. You can even lock and unlock your card.
- How do I reset my PIN number on my debit card?
To reset your PIN number on your debit card, please call 1-866-985-2273. You will need to have your debit card handy as well as answer a few security questions.
- How do I get a replacement debit card?
To receive a replacement debit card, you can contact us at (218) 829-0371, make an appointment with staff, or go in Online Banking or the Mobile App to get a new card. Staff are able to get you a replacement debit card the same day in an office, or they can order you a new card that you will receive in 7 to 14 business days.
- Can I lock or unlock my debit or credit card in case my card is lost, stolen or I suspect fraud?
If your debit or credit card is lost, you can protect yourself by locking and unlocking your card in Online Banking or the Mobile App under “Accounts” and then “Credit and Debit Card.” By doing so you can temporarily block new transactions from going through. You can also order a replacement card, post a travel notice, manage other alerts and controls, and do a balance transfer.
Download MMFCU Mobile App from iTunes or Google Play.
You can also use the MMFCU Cards App to lock and unlock your card. Download the MMFCU Cards App today from iTunes or Google Play.
- How do I set up a travel notification for my debit or credit card in Online Banking or Mobile App?
After logging into MMFCU’s Online Banking or Mobile App, go to the “Accounts” menu and select “Credit and Debit Card.” Then move the arrow over the card image to “Manage” each card that you would like to set up travel notifications for. Click on “Travel Notices” and enter in your Start Date and End Date, select whether your travel will be domestic (within the United States) or international and then list the areas you will be traveling to, these can be specific cities (ex: Las Vegas) or states (Michigan, Wisconsin, Iowa). Once finished click ‘Save’. If you will be using multiple cards while on your travels, you have the option in a drop down when setting the travel notice on your first card to add it to other cards.
Please note, if you are going on one trip from say June 19-25 to Michigan and then will be back home for a few days, followed by another trip on June 30-July 5, you will need to do two separate Travel Notices for each trip.
- My dispute has been submitted, now what?
our submission will be sent to our team to review and research. If our team has any questions, they will reach out by the phone number or email address you provided with the submission.
If your dispute was debit card fraud, please close your debit card to prevent any further fraud from occurring. To do this:
- Log into Online Banking or the Mobile App.
- Go to Accounts in the menu. Select Credit and Debit Card.
- Next click on the debit card that you submitted the dispute for.
- Select the gear icon for Replacement Options, then for your reason select either lost or stolen, click Continue.
- Follow the process to continue to close your debit card and request a replacement card.
If you do not close your debit card, MMFCU staff will close your debit card and reach out to you to see if you’d like a replacement card as the dispute is processed. However, doing it now, yourself, provides the greatest protection.
*If an MMFCU staff submitted your dispute for you, they closed your card.
- When will I get my funds back?
A provisional credit may be given within 10 business days (20 business days if the suspected error occurred during the first 30 days from account opening). If the disputed transaction is a valid transaction, no money will be returned.
- I submitted a dispute, is my card closed now?
If you filed a dispute on a debit card or ATM card transaction, to protect you further, your card will be closed and no longer useable, and you will need to request a replacement card.
- How do I get a new card?
A replacement card can be requested:
- By calling us at (218) 829-0371 during business hours.
- By stopping into a branch where our staff will be able to print you a new card.
- Within Online Banking or the Mobile App.
- Log into Online Banking or the Mobile App.
- Go to Accounts in the menu. Select Credit and Debit Card.
- Next click on the debit card that you submitted the dispute for.
- Select the gear icon for Replacement Options, then for your reason select either lost or stolen, click Continue.
- Follow the process to continue to close your debit card and request a replacement card.
- I submitted a dispute through Online Banking or the Mobile App, how will I receive updates on my dispute?
Any forms or notifications will be sent to your email address that was included in the submission. Our staff may also call the phone number on the form if they have further questions.
- If I am traveling internationally or nationwide, is there a way to note that so that my debit and/or credit card will work?
If you are planning to travel outside of your normal area of residency, it would be good to note that so that any purchases will not be blocked. You can do so for both an MMFCU debit or credit card in Online Banking or Mobile App.
Download the MMFCU Mobile App today from iTunes or Google Play.
To learn how to set up a travel notification see ‘How do I set up a travel notification for my debit or credit card in Online Banking or Mobile App?’
Need help or have questions?
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