ATM and Debit Cards

Giving You The Power of Convenience

Our VISA Debit and ATM Cards let you access your money safely and securely when you need it. Visa® Debit Cards are linked to a checking account and allow you to make purchases anywhere Visa® is accepted: in stores, online, even over the phone. And, you can access your account at over 36,000 surcharge-free ATMs nationwide to deposit or withdraw money.

VISA® Debit Cards

With a Visa® Debit Card from FFCCU, you no longer need to worry about having enough cash on hand. Our debit cards include an EMV Chip and contactless technology, adding extra ease and security to your account! You can now use your Visa® Debit Card on contactless-enabled terminals.

To activate your Visa® Debit Card, call 866-619-0245. If you need to change your Visa® Debit Card PIN, please call 877-267-6914 (cardholder must know current PIN in order to use the PIN change audio line).

ORDER A DEBIT CARD

ATM Cards

ATM-only cards are available to members that just have a savings account. They allow withdrawals from your savings account at over 30,000 surcharge-free ATMs, and allow deposits at over 7,500 surcharge-free ATMs nationwide using a personalized PIN*. Interested in being able to make purchases with a card? Consider upgrading to a Visa® Debit Card!

You can search for the location nearest you using our search tool and with our FREE Mobile App! If you are traveling outside the United States, please use the Co-Op Shared Branch and ATM locator for assistance.

FIND AN ATM

KUDOS!

Wow!!! You give me the best customer service!!! I’m an 8-year Member and can say my Credit Union performs like nothing else. They take such a personal interest in all my issues, great and small.

-David W.

Tiffany Zifcak worked with me on my recent home equity loan and did an amazing job. She made the process quick and easy for me. Will be using FFCCU for more of my financial needs in the future.

-Mike K.

Shared branching lets me, as a member of an out-of-town credit union, access FFCCU’s services. I have never had a bad experience working with FFCCU and appreciate that they have helped me make large d...

-Paul P.

I’d had a poor experience with a previous lender, but took a chance and reached out to FFCCU. I am so happy I went with them and got locked in on a rate I was flabbergasted by. I’m switchi...

-Brian W.

Emily answered my text quickly (on a Saturday morning!) and helped me promptly with my request. I love the text feature at FFCCU!!

-Amanda J.

Berto was awesome. I joined up today as a brand new member, and he helped in every possible way to make the process smooth and complete. Thanks, Berto!

Karen

Fortunately, we found out about the mortgage program at FFCCU. We had originally applied for a loan through a bank, but they were not interested in helping us. FFCCU put through our loan in a timely m...

-John B.

I needed a new vehicle loan, and FFCCU beat other interest rates so dramatically it was a no “brainer.” I was so happy with the service I am switching all of my checking and savings over. Kudos...

-Amy B.

The quick response was A-1. The respect was apparent, and the knowledge? –muah!– [chef’s kiss] Thanks to the North Ridgeville Branch team!

Kim M.

Clicked the “Live Chat” button, asked my question, got my answer literally within a minute. THIS is what support from a banking institution should be like. Thanks so much for your help!

-Ryan M.

I called about a car loan for my daughter, who is a student, and Sumintra helped determine the best option. I have been a member for 25+ years, and always get great answers and help with our financial...

-Sandy

My experience with FFCCU’s Parma branch has been nothing but positive. Obtaining an auto loan was really easy, even though I came to the establishment as a nonmember.

-Star B.

More Kudos!

Talk to us today to order an ATM or debit card

Call or text 216.621.4644 or fill out the form below to get started and we’ll contact you to process your request.

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*Based on member eligibility. Please contact a teammate for more information. Surcharge-free ATM options as of 6/2021. Deposit ability is at the discretion of the ATM owner. To report a lost or stolen ATM/Debit Card, please call 833.933.1681 as soon as possible.

My Debit Card is Expiring in February 2025 - What Should I Do?

You should receive your new card in early January 2025. To ensure a smooth transition, please activate it using the phone number on the back of your card before January 30. If you miss this deadline, no problem—just give us a call at 216-621-4644, and we’ll assist you with manual activation.

How do ATM Fees Work?

ATM withdrawals are subject to 2 different fees – a transaction fee charged by FFCCU, and a surcharge from the ATM servicer. ATMs in one of our surcharge-free networks will not apply this servicer charge.

How Can I Find Surcharge-Free ATMs?

You can use the ATM locator tool available on our website or in our mobile app to find surcharge-free ATMs near you.

Will My PIN or Card Number Change in 2025?

No. Your card number and PIN will remain the same unless your card is replaced due to other issues. Your PIN and card number will not change when your card expires.

What Should I Do If I was Charged a Fee at a Surcharge-Free ATM?

If you believe you were charged a surcharge fee in error at a surcharge-free ATM, please contact us at 216.621.4644 or message us in the mobile banking app.

Will 2025 Debit Card Upgrades Affect Other Services Like Deposits and Transfers at ATMs?

No, you can still use your debit or ATM card to deposit funds, transfer money, and check balances at participating ATMs in our surcharge-free network. The same fees that have previously applied to these activities will continue to be in effect. Check the ATM locator for features available at specific ATMs.

How Many Surcharge-Free ATMs are Available?

Our partnership with the CO-OP, Alliance One, Culiance, and MoneyPass networks ensures you will still have access to over 30,000 surcharge-free ATMs nationwide.

What if I Need Help or Have Questions About ATMs?

Our team is here to help! Call or text us at 216.621.4644, visit a branch, or use our mobile app or website for support.

Bill Deighton

Bill has over 40 years of experience in credit unions and previously served as Chair of the Board of Directors for 30 years. Bill is a retired Captain of the Cleveland Fire Department. Along with his credit union experience, he has served for 16 years on the Ohio Police and Fire Pension Fund Board. He believes that credit unions are powered by providing the best customer service to members. Bill volunteers at St. Ambrose Parish and the Fire Museum renovation. Bill and his wife live in Brunswick and have two grown children.

Anthony Missig

Tony is honored to have been the current Board Director since 1999. He has been a credit union member of Cleveland Fire Fighter since 1988. Tony graduated with a BA degree in Business from Hiram College and an MBA from Baldwin Wallace College. He is currently an Assistant Chief with the Cleveland Fire Department.

Ben Laurendeau

Ben Laurendeau has been employed in the credit union industry since 1987 in a variety of positions. Ben has held the position of President/CEO with Firefighters Community Credit Union since January of 2005. Ben holds an Associate Degree in Accounting from Terra Community College, A Bachelor Degree in Accounting from Tiffin University and a Master of Business Administration Degree from Baldwin Wallace University. Ben serves as a Director on the Ohio Credit Union League Services Corporation Board and serves on the Ohio Credit Union League Audit Committee.

Gary D. Arbeznik

Gary is a lifelong resident of Greater Cleveland and has been a member of the Board of Directors since 2018. Many of his family members have served in the Cleveland Fire department and are long-time members of FFCCU. Gary holds a BA from Columbia College and a JD g from Cleveland State University. He has worked for both Cuyahoga County and the US Attorney’s office in Cleveland during his legal career. Now retired, Gary and his wife live in Lakewood.

Barbara McCullough

Barb is a current Board Director of FFCCU and a fully vested member. She has an MBA in Finance and has spent 25 years teaching to all walks of life. Barb is a volunteer with the Foundation for Geauga Parks, Ohio Department of Natural Resources, Lorain County Spirit of America, and Girl Scouts of Northeast Ohio. Barb is a lifelong resident of the Cleveland area. She and her husband have one daughter.

Alyssa Garcia Evanoff

Alyssa Garcia Evanoff joined Firefighters Community Credit Union as the Chief Marketing Officer in February 2019. Alyssa has nearly two decades of experience in brand management and strategic marketing with a variety of organizations across the Greater Cleveland area. During her career, she has developed successful marketing and creative campaigns that have repositioned brand image and increased brand loyalty through emerging digital trends, content marketing and user experience strategy. Alyssa is a graduate of Miami University and sits on the board of the Cleveland chapter of the American Advertising Federation.

Jessica Bittner

Jessica Bittner joined FFCCU as a teller in 2009. In 2012 she was promoted to branch manager, and has managed multiple branches throughout the credit union. Jessica holds a Bachelors in Human Resource Management & Business Management, with a minor in accounting from Baldwin Wallace University. She was promoted to COO in 2021.

Kathleen Riggs

Kathleen Riggs joined FFCCU as Chief Retail Officer in 2013. Kathy has been in the financial services industry for over 25 years, holding a variety of positions. Kathleen received her bachelors degree in psychology from Kent State University and is a certified trainer of CUNA’s Creating Member Loyalty program.

Paul Humphrey

Paul Humphrey was born and raised in Northeast Ohio. He joined FFCCU in 2017 as the Chief Lending Officer. Paul is a graduate of Kent State University. He holds the designation of Certified Credit Union Financial Counselor (CCUFC) from CUNA. Paul has managed lending programs in both small and large credit unions and brings that unique perspective to serve the members of FFCCU.

John Carrick

John Carrick is the Chief Financial Officer of Firefighters Community Credit Union in Cleveland, Ohio. John was hired by Greater Cleveland Firefighters Credit Union (former name of Firefighters Community Credit Union) as an Accounting Assistant in February 1993, was promoted to acting CFO in 1995, and was awarded the position of CFO in 1996. John has assisted in the acquisition of multiple mergers for Firefighters Community Credit Union and has managed two different Merging Credit Unions during the merger process. John is a former member of the Audit Committee of the Cleveland Chapter of the Ohio Credit Union League. John holds a Bachelor of Business Administration degree from Cleveland State University.

Dennis Corrigan

Dennis has been a member of the Board of Directors since 2017. He is invested in forming bonds between the Credit Union and the community and helping members improve their economic situations. He has a strong desire to have a voice in the decision-making process of an institution that he was raised with and believes in. Dennis has been a part of the Cleveland Fire Department for 25 years and is currently a Captain. Dennis and his wife live in the Cleveland area with their three children.

Damian Borkowski

Damian has served on the Board of Directors for over 10 years. He has been the Citywide Service Manager for the City of Cleveland since 1983 and manages the demolition of houses and buildings. He holds degrees in Law and Engineering and is a member of the Ohio Bar. Damian lives with his wife in the Cleveland area. He has been a credit union member for 30 years.

Rich Bowman

Rich serves as the Chair of the Board of Directors and has been a board member since 2009. He has been a Cleveland Firefighter since 1989 and is presently a Battalion Chief serving the city’s lower west side. Rich is a founding member and Treasurer of the Firefighters Memorial Ride. Since their inception in 2004, they have donated over $250,000 to the families of fallen Fire, Police, and EMS workers. He has a bachelor’s degree in Business Administration with a minor in Finance from Cleveland State University.

James E. Polk

James is the Vice-Chair of the Board of Directors and has served on the Board since 1982. He has also held the position of Secretary. Jim is a retired Cleveland Firefighter after 30 years of service. He is the past treasurer of Fire Fighters Local 93 and served on the Union Executive Board for 18 years. Jim is also a former Worker’s Compensation Representative for Local 93 and the NOFF.

Bryan Gallagher

Bryan has served on the FFCCU Board of Directors since 2006 and looks forward to continuing to help the credit union move forward and provide quality services to members. Born and raised in Cleveland, Bryan and his wife live in Lakewood and have three grown children. He holds a degree in Communications from Cleveland State University and spent 40-years as a cameraman for the MLB and NBA. After 33 years, he retired as a Captain from the Cleveland Fire Department. He is a former Sergeant at Arms for Local 93 IAFF and was Secretary for the Firefighters Memorial.

Robert Schwind

Bob is a lifelong Cleveland resident and has been a member of FFCCU since 1993. He has served on the FFCCU board since 2019. Bob is a graduate of Cleveland State University and has served as a Cleveland firefighter for the past 28 years, becoming a lieutenant in 2002. He and his wife live in Cleveland and have two grown daughters.

James Andrews, Jr.

Jim has been a credit union member for over 40 years and has served on the Board of Directors since 2012. He has been a Cleveland Firefighter for 29 years, currently stationed at Engine Company 13. James has served on the Cleveland Firefighters Relief Fund board and was a former Union Steward and Committee Member for Firefighters Local 93. He and his wife have three children.

Surcharge-Free ATM Network Access Changes as of Jan 1, 2025

View current location map and details

NOTE: Fifth Third Bank ATM Network will no longer be surcharge-free as of January 1, 2025.

ATM and Debit Cards

Giving You The Power of Convenience

VISA® Debit Cards

ATM Cards