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

A Debit card from UBCCU is a single card with a double purpose! Faster than writing a check and safer than carrying cash - a Master Money Debit Card has all the same features as an ATM card, but with the added buying power of the Mastercard® logo.

EMV Debit Card Important Information

New Debit Card Thank you for your patience as our EMV Chip Debit cards are being issued. We are excited to have this added benefit available for our members. Here are some answers to common questions we have been receiving .

I do not have a PIN number for my new card and I destroyed my old card. Your new PIN should arrive 2 to 3 business days after you received your card. If you have destroyed your old card and your PIN has not arrived, you can still use your new card as a “credit” transaction at merchants.

I am being told I have the wrong information when I’m trying to activate my card. When you call to activate, you will be asked for the Primary Cardholders last four digits of the social security number and date of birth. Enter the information for the person whose name is printed on the card.

I received multiple cards. How do I know which one goes with what account? Please contact UBCCU at (989) 892-4597 and we will determine which card goes with which of your accounts.

For more information on your new Debit Card, click here.



  • Access your checking account faster than writing a check
  • Use your UBCCU Master Money Debit Card everywhere MasterCard® is accepted.
  • All debit card transactions appear on your monthly statement including the date and location where the transaction took place.
  • Your purchase amount is deducted directly from your checking account.  Just tell the cashier that you would like to charge your purchase.  After your card is scanned, you will be given a receipt to sign and the amount will be deducted from your checking account usually within one to two business days.
  • Your Master Money Debit Card works great for catalog purchases and those "credit card only" orders.
  • Master Money Debit Card also serves as your ATM card.  You can use it with your PIN (Personal Identification Number) to get cash at ATM locations.  For surcharge free ATM locations - click here.
  • Instead of struggling to balance one checkbook between joint members, each person has his or her own Master Money Debit Card for the account.
  • Card is accepted at merchants worldwide.


  • EMV Chip Technology
  • Safer than carrying a lot of cash
  • Personalize your PIN on each Master Money Debit Card issued by bringing your card to any branch location.
  • Lost or stolen cards can be cancelled immediately and replacement cards will be ordered.
  • A Fraud Service Center monitors your transactions for possible fraud.


  • No annual fee
  • No finance charges
  • This is not a credit card.  You will not have monthly payments or pay interest.
  • Save cost of purchasing checks.
  • No credit card debt.
  • Unlike a credit card, the purchase amount is immediately put on hold, making the amount unavailable for withdrawals.  The amount is usually deducted from your account within 1-3 business days.

Click here to apply for a UBCCU Master Money Debit Card. 

Click Here for Contact Information & Frequently Asked Questions regarding UBCCU's Master Money Debit Cards.


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

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

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

     Visa, Plus, American Express, and Discover

*Surcharge free.     **Debit Card only.



Looking for a little added security when shopping online? You can use MasterCard SecureCode with your UBCCU Debit Card.

MasterCard SecureCode is a private code for your MasterCard account that you can use when you're shopping online. Only you know what your code is – retailers aren't able to see it. Want some more information, Click Here.

Click here to set up your MasterCard SecureCode.


Fraud Monitoring:
Protecting Your Account by Verifying Your Purchases

If you have been contacted by our card monitoring company regarding suspicious activity on your account, please call 888-241-2440.


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.

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