Simplify life with our hassle-free checking account.
Debit Card and ATM Card
Forget about carrying cash. Use your debit card or ATM card for instant access to your checking account.
- Withdraw cash andmake deposits and transfers at over 28,000ATMs across Michigan and nationwide. It’s all fee-free for Extra Credit Union members because you are part of the CO-OP Network — the largest credit union-only ATM network in the country
- Make purchases at any merchant that displays the MasterCard logo, anywhere in the world. Funds are automatically deducted from your checking account
Apply today for the card you want. Download an application form or simply stop by an Extra Credit Union branch near you.
If you'd like to know more about debit and ATM cards, call us at (586) 276-3000. If your debit or ATM card has been lost or stolen, please click here.
Overdraft Protection Options
Avoid overdraft fees and hassles with our overdraft protection options.
- Automatic overdraft protection — If your checking account is overdrawn, funds from your savings account are automatically transferred to cover the cost for a fee of $3 per transfer*
- flexLINE— This revolving line of credit transfers funds (up to your available line of credit) to your checking account when there are non-sufficient funds to cover a checking account transaction. Repayments are automatically made from the account you designate. The overdraft line of credit requires an application and approval
- Overdraft Privilege — Overdraft privilege covers overdrafts up to a total of $500, including non-sufficient funds fees. This helps you avoid additional bounced-check or late payment fees on returned items from the merchant or payee. Overdraft privilege is available automatically to all members in good standing. No application is necessary.**
Remote Access Services
Access to your savings accounts any time you want, anywhere you happen to be.
If you have questions or need assistance with any one of these services, call us at (586) 276-3000.
* Per federal regulations, transfers or withdrawals from an Extra Credit Union savings account are limited to six per calendar month.
** The overdraft privilege program is a courtesy and is not an extension of credit. It does not constitute a written agreement of obligation or a pre-arranged agreement for Extra Credit Union to pay a member's overdrafts, and we may withdraw the service at any time. Overdraft privilege is not available for ATM withdrawals or PIN-generated debit transactions. Please review the Overdraft Privilege Policy or call Extra Credit Union at (586) 276-3000 for complete details.
