Access your checking account 24-hours a day with your Cinfed Check Card. Withdraw cash from an ATM or use your Check Card instead writing checks for large or small purchases, wherever MasterCard is accepted. There is never a fee when you use this card and your signature for purchases. Use this card and your PIN number for purchases to get cash back up to four times per month with no fee.

Automatic Teller Machines provide a convenient way to withdraw cash or make deposits 24 hours a day, at thousands of ATMs across the country and around the world. Your card permits transactions at any ATM in the world that displays the Alliance One, PLUS or Cirrus emblem.

You can use your Cinfed ATM/Check Card at any Cinfed-owned ATM anytime and there is never a fee. Cinfed also offers two nationwide networks for Surcharge-Free access to your Cinfed account.

Alliance One

Alliance One, founded in 1998, is a nationwide cooperative group of credit unions, community banks and thrifts that have joined forces to give their cardholders surcharge-free access to ATMs all over America that are owned by other members of the Alliance One cooperatives. That cooperative spirit not only gives you more convenient ATMs to choose from, it also leaves that extra $2.00 where it should be - in your account.

PNC Bank ATM Network
A partnership between Cinfed Credit Union and PNC Bank provides an additional 315 surcharge-free ATMs for Cinfed members in the Greater Cincinnati and Northern Kentucky area and over 6,500 nationwide!

All PNC Bank ATMs are surcharge-free when you use your Cinfed Jeanie or Check Card. The PNC Bank ATMs are available inside most United Dairy Farmer's stores, at PNC Bank branch locations, and from many shopping and entertainment venues. Look for the PNC Bank logo to know the transaction is surcharge-free.

For a complete listing of surcharge-free ATMs available to Cinfed cardholders, click on PNC ATM search.

ATM Fees

There are two types of fees associated with an ATM transaction: a Surcharge and Network Fee.

A surcharge is a fee the owner of the ATM charges when ATM cards (or Check Cards) from other financial institutions are used in its ATMs. For example if you used your Cinfed ATM card in a Fifth Third ATM, Fifth Third Bank would assess a Surcharge. You can avoid the surcharge by using any Cinfed, Alliance One or PNC Bank ATM.

A Network Fee is charged for accessing the ATM network and applies when you use any ATM that is not owned by Cinfed. You receive six Network Fee-free ATM transactions per card per month regardless of which ATM you use.

Remember, there is never a fee for using your Cinfed ATM/Check Card at any Cinfed owned ATM.

APPLY NOW

Fill out an application online, click ATM-CheckCard Application or click Application Form to download a printable application

NOTE: Other transaction fees may apply to Surcharge-Free ATMs. Click to view ATM fees

See fee schedule for full listing of fees.

For Lost or Stolen ATM/Check Cards, call 1-800-528-2273