- Deposits ... cash or check up to $25,000 (Not all ATM locations accept deposits; deposits accessed through most ATM networks within Michigan; outside of Michigan, deposits only accepted at Co-op Network ATM locations)
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Withdrawals ... cash withdrawals up to your account balance, but limited to $305 per day
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Transfers ... transfer funds within your account (i.e. from share to checking, etc.)
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Balance Inquiries ... check the balance of your account
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Change your PIN ... Personal Identification Number (PIN) for your card may be changed at Financial Plus ATM locations ONLY
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Cash Advances ... if you have a Financial Plus VISA, Personal Pocketbook Loan, and/or Home Equity Line-of-Credit, you may set your account to take Cash Advances at Co-op Network ATM locations
* Deposits, balance inquiries and transfers for the Hi-Yield Account are limit to Financial Plus Federal Credit Union and Co-op Network ATM locations only.
Your Financial Plus ATM or Debit card may be used at ATM locations worldwide that display one of the following symbols:
NYCE • Cirrus • CO-OP Network
Financial Plus Federal Credit Union provides members with their first 16 transactions FREE of charge. Transactions beyond 16 are charged $1.25 each. Charges for transactions beyond 16 are deducted from the member's share account immediately when the transaction takes place.
Avoid ATM Surcharges
ATM surcharges are frequently imposed by the owner of the ATM machine for making cash withdrawals from their ATM location. ATM surcharges are commonly $1.50, but can be $3.00 or more.
ATM locations that impose a surcharge must notify the customer of the surcharge two ways:
- in writing on the ATM (frequently in small print in a low-visibility area)
- on screen during the transaction, before the transaction is completed so the transaction can be cancelled.
You can avoid ATM surcharges by using "No-Surcharge" ATM locations. Click here for a list of Flint Area No-Surcharge ATM Locations. Financial Plus Federal Credit Union belongs to the Co-op Network, which means you will not be surcharged at Co-op Network locations.
Using an ATM at Point-of-Sale (POS) Locations
Many merchants (grocery stores, discount stores, gas stations, etc.) offer Point-of-Sale (POS) transactions — you "swipe" the card through a reader and enter your PIN. Frequently, you are given the option of having cash back. Your total for these transactions is limited to the balance in your account, up to the $500 daily limit.
Care of Your ATM Card
Protect your ATM card from the following conditions that can cause physical damage to the card:
• avoid magnets that can demagnetize the strip in the back of the card.
• do not bend the card.
Protect the security of your credit union account by protecting the security of your ATM card:
• do not write your Personal Identification Number (PIN) on your ATM card or any where near the card.
• do not let other individuals have access to your ATM card and PIN.
• report loss or stolen ATM card immediately by calling the credit union (after hours, call 800-634-7435).
