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.

Debit Card Image

CardNav by CO-OP

Introducing unprecedented, real-time control over your debit cards through your smartphone or tablet.

For more information on CardNav by CO-OP Click Here

Ubay Purchase Perks

Introducing Ubay Purchase Perks!

Your everyday purchases have never been more rewarding! Ubay Purchase Perks is a simple, easy to use program that rewards you with points each time you use your debit card. From groceries to utility bills to dining, your everyday purchases will really pay off.

Earn 1 point per $2 spent in debit signature transactions
Earn 1 point per $5 spent in debit PIN transactions

Hundreds of rewards are waiting! Redeem your points for rewards including merchandise, travel, gift cards, event tickets, charitable donations and more.

Browse your rewards today at www.dreampoints.com/ubccu.

Click Here for Ubay Purchase Perks FAQ

Gift card merchants are not sponsors or co-sponsors of the program.

Lucky 13 Savings Club link

Lucky 13 Savings Club

With our Lucky 13 Savings Club, your debit card purchases are rounded up to the next dollar, and the change is transferred to a special savings account. After 13 months, your balance is transferred into your regular Share Account.

Learn more about the Lucky 13 Saving Account!


  • Access your checking account faster than writing a check
  • Use your UBCCU Master Money Debit Card everywhere MasterCard® is accepted worldwide.
  • 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 account.
  • No PIN (Personal Identification Number) required for purchases. 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 sharing one checkbook between joint members, each person has his or her own Master Money Debit Card for the account.


  • 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 canceled immediately and replacement cards will be ordered.
  • A Fraud Service Center monitors your transactions for possible fraud.
  • CardNav App by CO-OP gives you to complete control over the use of your card based on amount, merchant, or location.


  • 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.
  • Ubay Purchase Perks lets you earn points on your everyday Debit Card Purchases which can be redeemed for gift cards, travel, and merchandise.

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


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.

Lost or Stolen Card Contact Information Click Here


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
  • Cirrus

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

  • Visa
  • Plus
  • American Express
  • Discover

*Surcharge free.
**Debit Card only.


To connect with our members by inspiring trust and providing
the financial support they need to establish roots and thrive.

Providing our members the resources
to develop strong financial roots.

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