local: 989.892.4597      toll free: 800.968.7696      email: info@ubccu.org
United Bay Community Credit Union
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UBCCU ATM Card Information

UBCCU's ATM card is your ticket for quick cash withdrawals 24 hours a day, 7 days a week from your checking or regular savings account. You can also make deposits, transfers and balance inquires at thousands of ATM locations.

  • Unlimited, free ATM transactions using UBCCU ATM machines located at 3939 N Euclid Avenue in Bay City, 1309 N. Lincoln Avenue in Bay City, 205 S. Mable Street in Pinconning, 52800 N. Main Street in Mattawan, 233 W. Centre Avenue in Portage, or inside General Motors Powertrain. For more locations - click here.
  • Transfer funds between your accounts.
  • Withdraw up to $500.00 within a 24 hour period. Funds must be available.
  • Personalized PIN-personalize your PIN on each ATM card issued by bringing your card to any branch location.
  • You can do Point-of Sale (POS) transactions at participating merchants by using your PIN. A checking account is required when doing POS purchases.
  • POS cash back transactions allow you to receive cash without going to an ATM.

Click here to apply for an UBCCU ATM card.

Click Here for Contact Information & Frequently Asked Questions regarding UBCCU's ATM cards.


Your UBCCU ATM cards participate in the following networks and can be used at any location that accepts:

     Co-Op*, Jeannie*, Pulse, STAR West, NYCE, and Cirrus

United Bay Community Credit Union ATM terminals can accept transactions from the networks listed above as well as:

     Visa, MasterCard, Plus, American Express, and Discover

*Surcharge free.



Mission Statement
The mission of United Bay Community Credit Union is to be our members' primary financial
institution, providing them with quality, confidential, professional and personal service, while
maintaining a sound and stable credit union.

member NCUA       Equal Housing Opportunity