Debit Cards

Find money management with debit cards

ATMs

You can access cash with your Educational Systems Federal Credit Union debit card at ATMs located at our branch locations, Board of Education and other community buildings as well as over 80,000 surcharge-free CULIANCE "CU Here" ATMs located across the nation. In addition, Star Members have unlimited ATM access.*

Debit card details

Educational Systems Federal Credit Union members with eligible checking accounts receive a debit card which can be used at ATMs and to pay for purchases at retailers everywhere Visa® is accepted. If your debit card is lost, you can get a replacement debit card instantly at any branch or call the Contact Center at 301.779.8500 to have one mailed to you. Please view the fee schedule for the service fee.

Enjoy additional debit card benefits:

  • Get cash at the grocery store checkout using your debit card without incurring a fee. Just select the debit option. If you don't need cash, select credit.
  • Use your debit card at any retailer participating in mobile wallets such as Apple Pay, Samsung Pay or Google Pay.
  • Sign up for Visa® Checkout and you won't have to enter your credit card or shipping information when shopping online with participating merchants.

Helpful Security Tip

If your ATM or debit card is lost or stolen and our locations are closed, you can block your card by calling us at 301.779.8500 and following the prompts.

BUILDING YOUR EMERGENCY FUND

Prepare for life's unexpected expenses.

  • Start with a small goal to cover minor unexpected expenses, then work towards 3-6 months of living expenses
  • Set up automatic transfers from your checking account to your savings account on payday
  • Keep your emergency fund in a separate savings account, so you're not tempted to dip into it
  • Review and adjust your emergency fund goal annually as your finances change
  • Consider your job stability and household situation when determining your target amount
Open a Savings Account

Frequently Asked Questions

The chip embedded in your card turns your account information into a unique code that adds a layer of fraud protection. Many retailers now accept chip cards since it’s the global standard.

At chip-enabled registers, insert your card into the chip reader with the chip facing up. Then, follow the prompts on the screen. If you make a purchase over the phone or online, there are no changes. At registers that aren’t chip enabled, swipe your card to conduct the transaction as you did with your previous card.

View More FAQs

Financial Wellness is Within Reach

Rates
View our rates for your Checking and Savings accounts, Loans, and Credit Cards.
Calculators
Use our handy calculators to calculate a loan payment, budget your money and more.
Forms
Fill out our quick and easy applications and forms.

*ATM transaction fees for any given month are only waived if your Star Member Relationship is confirmed for the end of the month in which the transactions occurred.