Debit MasterCard

The Convenience of MasterCard with Local Servicing at CFCU

Accepted world-wide and access to 55,000 surcharge-free ATM's

C F C U MasterCard debit card

Learn About CFCU Checking!

Learn About MasterCard Benefits!

1 in 12 ATMs

As a CFCU member, you have access to over 55,000 surcharge-free ATMs worldwide! Just look for the green AllPoint sticker! 

Download the All Point ATM finder App today!

AllPoint ATMAllpoint Android

Fraud Monitoring

Card Fraud Detection System

CFCU utilizes a fraud and risk management system to detect potential fraud on debit and credit cards.

If a card transaction is alerted for potential fraud, the system will attempt to contact the cardholder to determine if there is fraud or not. Contact is attempted via the phone number(s) on file for the cardholder and may be by phone and/or text. Depending on the type of transaction(s), the card may be restricted until a response is received.


What to do if you receive a fraud notification:

If you receive a call or text, you will be asked to confirm if you did or did not make the specific transaction(s). If a text is sent and not responded to in 15 minutes, the system will then try to call. If there is not a text-capable number on file, it will call only. For examples of texts received, click here


NOTE: these calls or texts will not request any personal information, such as social security number or date of birth, and will not request any card details, such as the card number, expiration or CVV code. If any personal or card details are requested, please do not respond and report to us at or click here for other contact methods.


If you respond that the transaction is legitimate, the case will be updated, and the card will be reactivated.


If you respond that the transaction is fraudulent, the card will be restricted to prevent additional fraud. Then please follow the next steps:

  1. Please contact us to order a new card.
  2. Review your transactions and immediately report any fraudulent transactions on the Dispute Form to initiate the claim process.

Click here to view a demo on this security feature 

Changing your PIN

Change your PIN over the phone 24/7! Simply call 800-992-3808, answer identifying questions, and your PIN can be changed today.

Another convenience from CFCU!

Digital Wallet FAQ

What is a Digital Wallet and how does it work?

Imagine never needing to bring your wallet or purse with you when you run errands and being able to purchase goods and services with a simple swipe of your phone. Digital Wallets do just that! 

How do I add my card to Apple Pay?

To add an eligible card(s) on an Apple device, click on the Wallet App or go into “Settings,” open “Wallet & Apple Pay” and select “Add Credit or Debit Card.”

When adding your card, you can choose to add the card you already have on file with iTunes® or add new cards by manually entering your card information or taking a picture of your card.

How do I add my card to Google Pay (GPay)?

To add an eligible card(s) to an Android device, click on the GPay App and select “Payment”. Then select “+payment method”.

CFCU Debit cards can be added to Google Pay; however, you must enable Near Field Communication (NFC).

Which devices can I use Apple Pay/Google Pay on?

Apple Pay is compatible with an iPhone 6 or higher and an Apple Watch connected to an iPhone 5 or higher.  You can also use Apple Pay on iPad Pro, iPad Air, iPad, and iPad mini models with Touch ID or Face ID in app and online purchases.

Google Pay works on any NFC-F enabled Android device running Lollipop 5.0 or higher for in-store purchases. If NFC is disabled, you can still use GPay for in-app and online transactions.

Where can I use Apple Pay?

Use Apple Pay wherever you see one of these symbols:

Learn More

Where can I use Google Pay:

Use GPay wherever you see these symbols: 


Learn More

Are Digital Wallets Safe?

Yes, using a Digital Wallet protects your debit card by converting your actual card number into a device-specific account number and assigning a unique transaction code for each purchase. This means your card number is never stored on your device, on Apple/Google servers, and is never shared with merchants. This significantly reduces the chances of your card number being compromised.

How many cards can I have on my device?

At this time, Apple allows up to 12 cards per device. Some earlier models are limited to 8 cards per device.

Google Pay does not limit the number of cards stored in the Google Pay app.

Can I add my credit or debit card to multiple devices?

Yes, you can add your card(s) on up to 10 devices. You can even add it to both Apple Pay and Google Pay simultaneously.

Can I remove my card from my device?

You can remove your card by selecting “Remove Card” in your Apple Wallet or GooglePay app.

Apple users may also visit to remove card information. 

Google Pay users may also visit to remove payment information. 

How are refunds handled with Digital Wallet purchases?

If you return an item purchased with your Digital Wallet, you may be asked to provide the cashier the last four numbers of your Device Account Number instead of the last four numbers of your credit card.

To find the last four numbers of your Device Account Number for each card, open your Digital Wallet and select the desired card. Google Pay users will then scroll down to Virtual Account number. Apple Pay users will then select info or more icon and scroll to Device Account Number.

How can I delete my card if my device is lost or stolen?

If you believe your device or digital wallet card information has been lost, stolen, or compromised in any way call CFCU immediately.

Apple Pay users head to or the Find My iPhone app to temporarily suspend or permanently remove the ability to make payments from your device, even if your device is offline.

Google Pay users head to and lock their device to prevent transactions or to remove payment information. Note you must have “Find My Device” services enabled to use this option.

Why does my card work differently at different stores?

One of the features of Digital Wallets is the integration with a merchant's existing card processing system. Since many merchants have different systems, you will have a different experience at different merchant locations.  

For more information about Digital Wallets, contact CFCU!

Contact Us

Member Solutions

(Mon-Fri. 8am-5:30pm; Sat. 9am-12pm)

607-257-8500 or toll free 800-428-8340

CFCU Insurance Services

(Mon-Sat. 8am-8:30pm)


Telephone Banking

607-257-8113 or toll free 800-782-9413

Suspected Fraud/Lost/Stolen Debit Card


Suspected Fraud/Lost/Stolen Credit Card

866-205-8314 (Domestic) or 703-463-2473

CFCU will never contact a member electronically to obtain personal information. If you receive this type of communication, please contact us immediately to report.