Skip Navigation
Debit Card 

All Mid Minnesota checking accounts provide you a debit card that looks like a credit card, but acts like a check! Use it for all your transactions at retail locations as well as at ATM's.  There is no annual fee or no monthly service charges to have a debit card.


Managing your Debit Card 

Stay informed and in control with Debit Card Alerts & Controls that you can customize. Alerts can be initiated for your Mid Minnesota Debit Card to let you know of transactions with fraud risk, large transactions, and other criteria you choose such as:

  • ATM cash withdrawals
  • Transactions that exceed a dollar amount determined by you
  • International transaction
  • Purchases made without a card present
  • Declined transactions.


Online and Mobile Banking Account Access

Access your accounts online 24-hours a day. Transfer funds, print statements, make loan payments, access tax information and much more. This free service requires no software to buy, and no setup fees to pay. Click for details on how to get started!


Shared Branch Network

Co-Op Shared Branch Logo MMFCU is participating in the CO-OP Shared Branch Network this means convenience when, where and how you want it. As our member, you can visit over 5,900 convenient locations where you see the CO-OP Shared Branch logo, and conduct transactions just like you were at your home branch. Find a branch location, call 1-888-SITE-CO-OP, or download the mobile application for IOS or Android app stores. We suggest you call ahead to the branch you would like to use to verify they are able to accommodate your specific need and any fees that may be charged. Click for additional information and frequently asked questions on shared branching.

Overdraft Protection Options

Mistakes happen! When you make an honest mistake in your checkbook or an unforeseen circumstance occurs when you least expect it, MMFCU offers overdraft protection options on your checking account. 

Does balancing your checkbook against your statement bring you anxiety? Here is a brochure that we hope decreases the anxiety in 8 simple steps. For more financial resources, see our Conquer Debt or Smart Start section of MMFCU's Financial Education Blog.



With your permission, we’ll deliver your regular monthly statement and important account notifications  to you online. Your electronic statement and notifications are everything that you would normally receive in your mail, but more secure; only they are  available on Mid Minnesota’s website through Online Banking. It’s completely secure, and there whenever you need it. We’ll even store your past statements online for a full year. Sign up for eDocs when logged into Online Banking by clicking the "More" tab and select eDocs. Review and accept the eDocs agreement and proceed. If you ever change your mind, you can unsubscribe from eDocs by clicking "Unsubscribe" from the statement settings.

To learn how to set up eDocs or for more information check out our eDocs page


Online Bill Pay

You can use Online Bill Pay to quickly pay your bills easily and securely. You can pay any company or person with a U.S. address. In many cases, we can send the payment electronically. But, if we can't, we'll mail a check.

You can pay your bills with the knowledge that your personal info remains confidential. When you sign in to Online Bill Pay, your user name and password are sent over the Internet from your computer to ours using secure sockets layer (SSL) technology. This technology encrypts your personal info before it leaves your computer, ensuring that no one else can read it. Check out our Online Bill Pay through our Online Banking service!


Photo Debit Card

Love your dog so much that you want his picture on your debit card? Get creative with a personalized Photo Debit Card. Through the Design Your Own Card (DYOC) program, an easy online process lets you upload a photo of your choice for the same price as a replacement card.* Simply log in to MMFCU's Online Banking to get started.

No-Surcharge ATM Service

Use your MMFCU Debit or ATM Card on MMFCU owned ATMs and avoid service fees! Plus, MMFCU is proud to offer member access to literally HUNDREDS of machines throughout central Minnesota, and over 15,000 units across the country! 

Visit our ATM locator to find one near you or simply text a street address or zip code or "City State" to 91989 to find the closest location. This service is free of charge, standard data/SMS fees may apply from your mobile carrier. You can also use the locator mobile apps for IOS or Android from the iTunes or Google Play stores.

MMFCU's ATM program includes unlimited, free transactions whenever you use the Co-Op Network. The maximum automated teller machine withdrawal we allow is $200 per day. This limitation applies to MMFCU checking in combination with share account(s).

Free Direct Deposit

The safest, easiest way to have your money deposited to your checking (or savings) account, Direct Deposit is yet another free credit union service. Instead of taking time to cash or deposit your paycheck yourself, funds are automatically deposited into your account on an agreed-upon date. Ask your employer (or other payer, including state and federal governments) if they offer direct deposit. If they do, the rest is easy, not to mention free at your credit union! 

MMFCU's Transit Routing Number is: 291973360


Free Visa® Debit Card with chip security!

Are checks too 20th century for you? No problem! Stay on the cutting edge with your Visa® Debit Card. This card looks like a credit card, but acts like a checkbook. Get the added safety of one card for all of your ATM and purchase transactions. MMFCU's Visa® Debit Card has no annual fee and no monthly service charges and comes with chip technology for added security. How 21st century!

To register your debit card, please click Verified by Visa®

Click for frequently asked questions regarding chip enabled cards.


*$10 processing fee will be charged to your account for new or replacement Photo Debit Cards.