You deserve better checking
Experience the ultimate in convenience and value with Community First’s checking and debit accounts. Enjoy no fees, unlimited check writing, emergency overdraft protection, and secure, versatile debit card features — without hidden fees or gimmicks.
Report a Lost or Stolen Debit/ATM card
800-472-3272
Reset your Debit Card PIN number
1-800-757-9848
You will need your debit card number, the security code number on the back of your card, and your card’s expiration date. When calling for a PIN reset, you will need to call from the phone number listed on your account at Community First.
Checking / Debit Accounts
Empower your financial life with Community First’s checking and debit accounts (also called share draft accounts), offering unmatched convenience with no fees, unlimited check writing, and versatile debit card features for seamless control and flexibility.
Community First Credit Union offers:
- No monthly fee
- No per check charge
- The advantage of writing as many checks as you need
- Emergency overdraft protection with transfer from savings
- Direct deposit of checks
- 24 hour access with “Call Abby”
- Online access
- Debit card from Mastercard for purchases and ATM withdraw and deposits
- No gimmicks or hidden fees
Debit & ATM Cards
MasterMoney Debit Card
A MasterMoney Debit Card is faster than writing a check and more versatile than a regular ATM Card. You can use it as a debit card to make purchases anywhere Mastercard is accepted, without the hassle of writing a check. It can also be used online just like a credit card, but the funds would be debited from your checking account.
You can use it as an ATM Card to get cash, make deposits, transfer money between accounts and check account balances 24 hours a day, 7 days a week.
Look for these logos to use thousands of surcharge-free ATMs or Search for ATMs.
Mastercard SecureCode®
Mastercard SecureCode® is a free online security service to guard you against unauthorized use of your Community First Mastercard debit card while shopping online at participating merchants.
Mastercard SecureCode® is a private code for your Mastercard account that gives you an additional layer of online shopping security. Only you and your financial institution know what your code is — merchants aren’t able to see it. More than one million online merchants in 122 locations support transactions made with SecureCode. Look for the logo when you’re providing your payment information.
There is no need to get a new card, no software to download, no cost, and no hassles… just added security.
Enhanced Security Chip Cards
Your cards are enhanced with a computer chip. When used at a chip-enabled terminal, the chip and the reader interact with each other, validating the card and securing the transaction with a one-time code.
Digital Wallet
The simple and safe way to pay with your mobile device.
Your Digital Wallet turns your smartphone, tablet and smart watch into secure payment options:
- Your payment information is stored securely on your device
- Your phone, tablet or watch communicates directly with the payment terminal
- Paying with a digital wallet is actually safer than using your card, because your real number is never revealed
- Your device’s security keeps your information locked away
- Just tap to pay!
STAR ATM Card
Use only in ATM’s to get cash, make deposits, transfer money between accounts and check account balances 24 hours a day, 7 days a week.
Direct Deposit
To take advantage of this service, simply stop in or call and we will guide you through the direct deposit process.
Your check will continue to be made out to you, but will be sent for deposit here to your account at no additional charge to you. This service may be cancelled at any time and you will begin receiving your payments at home again.
Arrangements can also be made for other recurring checks or payments to be deposited to your account. Remember, all deposits are NCUA insured.
Overdraft Privilege and Overdraft Protection
We understand that checking or debit overdrafts occur from time to time.
Overdraft Protection services apply to all transactions and may help prevent overdrafts by automatically transferring funds to your checking account from another account you may have at Community First Credit Union for a fee.
Overdraft Privilege allows you to overdraw your account up to the disclosed limit for a fee in order to pay a transaction.
You must apply for one of these services if you wish to use it on your account.
CardValet
Take control of your debit card with the free CardValet mobile app. CardValet lets you control your debit card, save time and gain peace of mind knowing you can control your card with your smartphone.
CardValet lets you:
- Turn your debit card on and off
- Establish transaction controls for dollar amount limits, merchant categories and geographic locations
- Receive alerts when your debit card is used, approved or exceeds the transaction controls set by you
- Stay informed of potential fraud with alerts on attempted, declined transactions
- Get real-time balances for your accounts
Download the CardValet app for your Apple iOS or Google Android device or search for CardValet on your app store.
Legal Disclosure: Substitute Checks & Your Rights
Substitute checks and your rights policy
Money Orders
Money orders are a secure and reliable way to make payments, especially when you need to ensure funds are guaranteed and transactions are traceable.
They are ideal for situations where you don’t want to use cash or personal checks, such as paying bills, sending money through the mail, or making a down payment on a major purchase. Getting your money orders at Community First Credit Union offers added benefits, including competitive fees, personalized service, and the convenience of handling your transactions in a trusted, local institution.
Visit one of our locations to request a money order.