PFFCU Debit Card

The PFFCU Debit Card enables you to make purchases (up to $3000 per day) anywhere Visa® or STAR® is accepted, as long as the funds are available in your PFFCU Checking Account. You can also withdraw up to $500 per day at any STAR, CO-OP Network®, or PLUS® ATM.

The PFFCU Debit Card provides many benefits:

With your PFFCU Debit Card, you get free unlimited transactions at PFFCU ATMs*, and twelve free transactions per month at non-PFFCU ATMs. You can avoid paying a surcharge at non-PFFCU ATMs, by using ATMs at Wawa®, 7-Eleven®, and the Pennsylvania Credit Union Association network. Visit our ATM Locations page to locate the no-surcharge ATMs most convenient for you.
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Do you need a PFFCU Debit Card without delay?

You can obtain a new card, a replacement card, or an additional card at any of our convenient branch locations.

Visa Fraud Monitoring

The PFFCU Debit Card can be used worldwide–anywhere Visa is accepted. Due to high amount of fraud occurrences, if you wish to use the Debit Card in certain designated countries, you need to call PFFCU before you travel. For a listing of specific countries where this additional security step is necessary, click here.

The PFFCU ATM card is functional only in the United States. If you are traveling abroad, please use the PFFCU Debit Card.

If I currently have a PFFCU Debit Card, do I need to re-apply to receive my new chip-enabled card?

No. You do not need to re-apply for a new card if you currently have a PFFCU Debit Card. A chip-enabled card will be sent to you as we initiate our chip-enabled card program to our members.

If I do not have a PFFCU Debit Card, do I need to apply to receive my new chip-enabled card?

Yes. Apply today to receive all the valuable benefits of our PFFCU Debit Card, now enabled with chip technology. Give us a call, apply online or stop in any branch.

Can I use my chip card at terminals that only have the swipe capability?

Yes. The chip card still has a magnetic stripe just in case you need to use it at an in-store terminal that only has the swipe capability.

Can I use my chip card for online and over-the-phone purchases?

Yes. Use your chip-enabled PFFCU Debit Card the same way you always have when making over-the-phone or online purchases.

Are there any additional fees associated with chip-enabled cards?

No. No additional fees apply to this card.

What is an EMV/ Chip-enabled Debit Card?

It’s the same great PFFCU Debit Card with added security. Each time an EMV/Chip-enabled card is used for an in-store payment at a chip-activated terminal, a unique one-time code is generated that is used to approve the transaction, providing an additional layer of security. EMV/Chip cards do everything magnetic stripe cards do, but much more securely.

How do I use my EMV/Chip-enabled PFFCU Debit Card for an in-store purchase?

  1. Insert your card “chip” first, face-up into the chip-enabled terminal.
  2. Leave your card in the terminal during the entire transaction to complete your purchase. Either sign the receipt or enter your PIN to complete the transaction.
  3. Remove your chip card after the transaction is approved and you are prompted to do so.

My card isn’t working, what are some possible reasons why?

You may be inserting the card incorrectly. Make sure you are inserting the chip portion of the card into the terminal for the entire transaction.

The card may have been removed too soon. Do not remove the card from the terminal before the transaction has been completed. Removing the card early will result in a cancelation of the transaction.

If you are using it at an unmanned payment area, the terminal may not be set up yet.


* Members receive 12 free ATM transactions per month at non-PFFCU ATMs. Thereafter, a $1.00 fee per transaction is charged. ATMs owned by other financial institutions may impose additional surcharging.