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ATM and Debit Card Access

Access your designated accounts 24 hours a day, 7 days a week with your SCU Credit Union ATM/ Debit Card. At SCU Credit Union all of our automated teller machines (ATM) are affiliated with the NYCE and the Cirrus networks and are available at our convenient branch locations.  We accept cards that are part of the NYCE and Cirrus Networks.  SCU Credit Union participates in the CO-OP Network and SUMSM ATM surcharge-free programs at select ATMs.

Debit Mastercard®

Enjoy the convenience and security of paying for purchases without cash, checks or credit cards with our Debit Mastercard®. The purchase amount is deducted from the available funds in your SCU Credit Union checking account. You'll have access to cash just as you would with a SCU Credit Union ATM card, but with these added benefits:

  • Pay for purchases of up to $2,500 anywhere you see the Mastercard® symbol
  • Withdraw up to $1,000 at any ATM displaying the NYCE or Cirrus symbol
  • EnFact Fraud Detection protection
  • uChoose Rewards®  - You can earn reward points just by using your SCU Credit Union Debit Mastercard.

Safest Way to Pay

The advent of digital wallets like Apple Pay, Google Pay, and Samsung Pay has transformed our approach to financial transactions. As we continue to embrace the benefits of these digital payment solutions, it's essential to consider the security they provide. These platforms incorporate advanced security features, such as tokenization and biometric authentication, to protect your financial information and offer a safe and convenient transaction experience. Linking your SCU Credit Union Debit Mastercard with a Digital Wallet is a smart move towards a more convenient and secure financial experience. 

ATM Card

With a SCU Credit Union ATM Card, you can access your designated accounts 24 hours a day, 7 days a week.

  • Withdraw up to $500 at any ATM displaying the NYCE or Cirrus symbol
  • Deposit funds into your designated accounts at any SCU Credit Union ATM
  • Transfer funds between your designated accounts at any ATM displaying the NYCE or Cirrus symbol
  • Use your card at any SCU Credit Union ATM free of charge
  • Use your card at any CO-OP or SUMSM ATM, surcharge-free
  • Click here for our Schedule of Charges
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ATM & Debit Card Restricted Countries and States

We ask that you contact SCU Credit Union prior to traveling so that we may inform you of any debit card restrictions in your area of travel at the time of your visit.

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Pay Friends with Your SCU Debit Card

Need to pay a friend for a lunch or want to send some spending money to your kiddo? With peer-to-peer (P2P) apps like Zelle, you can transfer money from your credit union account with your SCU debit card to someone with the same P2P app. You can receive funds, too. Simply download Zelle or the app of your choice on your smartphone and link it to your SCU debit card.

P2P apps like Zelle, Venmo, PayPal, or Cash App are convenient and simple to use, but they do open you to some level of risk of losing your money to a scammer. So, be cautious and take the following steps to reduce your risk!

How to Protect Yourself

  • Only send money to people you know and trust. And check your recipient’s information carefully before completing a money transfer. A misspelled email address or phone number could send your money to the wrong person.
  • Never discuss personal information with someone who contacts you, even if they claim to be from SCU or another bank.
  • Never click on suspicious links from people you don't know, even if they claim to be from SCU or another bank.
  • Always choose two-factor identification and use a PIN when possible. If your app and phone allows, choose fingerprint recognition and/or touch ID for added protection.
  • Choose to be notified about every transaction.
  • Never use a P2P service for business-related transactions.
  • If you're using Venmo, adjust your privacy settings and opt-out of public tracking.
  • Accept any security updates offered by the P2P app you use.

Remember, no financial institution will never ask you to send money to yourself. Financial institutions, like SCU Credit Union, are never responsible for a P2P payment transfer. While we never want to see you lose money for a simple mistake or because you’ve been victimized by a scam, there’s not much we can do about it after the fact. For this very reason, we strongly advocate practicing caution when transferring money online or by app.