Unlock 24/7 access to your money with our free Debit MasterCard, available with a F3CU checking account.

Secure, and Accessible.

Debit Card Gives You Easy 24/7 Access

Our Debit MasterCard card is yours – free – when you open a F3CU checking account. With it you can:

  • Access your accounts and get cash worldwide at ATMs displaying the following logos: Star, CO-OP, Plus, MasterCard and Maestro.
  • Get cash without a surcharge at many ATMs showing the CO-OP logo including selected 7-Eleven and Costco locations.
  • Make purchases wherever MasterCard is accepted without the finance charges.
  • Pay securely with Apple Pay – the simple, secure, private way to pay.
  • New! Lock and unlock your card from your online banking account to prevent unauthorized use and fraud.

Apple Pay is Here

Introducing Apple Pay. The safer, easier way to pay.

Available on iPhone® 6 and above, Apple Pay raises the bar for secure, convenient transactions. Just enter your cards into your phone’s Wallet app. Then shop in-store or online at thousands of merchant locations across the nation. Apple Pay offers many benefits over conventional card payments:

  • Your name and card number remain anonymous to cashiers and bystanders, making online and mobile payments more secure than ever before.
  • Your phone carries only a unique, encrypted Device Account Number rather than your actual debit or credit card numbers.
  • Apple Pay transactions are free – message or data rates may apply depending on your wireless plan.
  • Use your iPad and iPad Mini™ for online-only shopping within certain apps.

Getting Started

Getting started with Apple Pay is easy.

  • Make sure you have the latest iOS version on your iPhone 6 and above.
  • Open your Wallet app, swipe down and tap the plus sign.
  • Enter your card by snapping a photo with your device’s iSight® camera, or add the data manually (if you already have a card in iTunes, you’ll be prompted to add it to your Wallet).
  • Look for the Apple Pay logo at participating merchants to begin using Apple Pay.
  • Make purchases by holding your phone near a participating merchant’s contactless reader, with your finger on the Touch ID sensor.

Make shopping easier and more secure – enter your card information and start using Apple Pay today.

Here’s how to find your nearest surcharge-free CO-OP Network ATM

Mobile Phone: Text your location to 91989


Download the free CO-OP Locator App for iPhone and Android.


Online: Go to CO-OP’s ATM Locator Tool


Toll-free: Call 1.888.SITE.COOP

To receive your free debit MasterCard, just complete a checking account application.

You are about to leave F3 Credit Union's website

Select ‘Continue’ to proceed to a third-party site with different privacy and security policies, or ‘Go Back’ to remain on F3CU’s website