SEFCU Debit Mastercard®


An easy way to pay or access your checking account

Use your free SEFCU Debit Mastercard® to pay for purchases, bills and recurring charges, and access your SEFCU Really Free Checking account from 85,000+ fee-free* ATMs across the globe.


plane over globe

Use at

85,000+ fee-free* ATMs

in U.S., Canada, Mexico, Australia, United Kingdom, and Puerto Rico

Features and Benefits

Use instead of checks

  • Free with your SEFCU Checking account
  • Use for purchases wherever Mastercard® is accepted
  • Use to pay bills/recurring charges; transactions are free
  • Use to access your account at 85,000+ fee-free* ATMs, including Allpoint® , NYCE networks and CO-OP Network ATMs
  • If your debit card is lost or stolen, notify SEFCU (800-727-3328) and your liability for unauthorized use is $0**
  • If you’re traveling abroad, call 1-800-727-3328 to ensure your debit card will work where you’re going


credit card




Item SEFCU Fee New York State Bank/Credit Union average fee***
(as of July 2018)

Card Capture



Deposit Correction



Deposit of Empty Envelope



Non-sufficient Funds (NSF)



ATM Inquiry Fee (SEFCU ATMs and Allpoint® ATMs)



ATM Inquiry Fee (Non-SEFCU ATMs)



ATM Foreign Transaction Fee (Non-SEFCU ATM withdrawal, includes POB transaction, except for Allpoint® ATMs and CO-OP Network ATMs)



Non-SEFCU ATM Withdrawal Attempt with NSF



POS Transaction – NSF



Replacement Card



Rush Replacement Card



Currency Conv. Fee Non-U.S. Funds

1% of transaction


Both the ATM Inquiry fee and the Foreign Transaction fee may be charged during the same visit to the non-SEFCU ATM if both transactions are performed.

*** New York bank/credit union average fees are accurate as of July 2018, and are published in New York Credit Union Association’s RateWatch.

See Bill Pay fees


See which account is best for you

SEFCU Debit Mastercard® 

  • Funds are directly debited from your Really Free  Checking account
  • Access current funds via ATM
  • Use wherever Mastercard is accepted
  • Access to virtual rewards at select stores
  • $0 interest payment (you only use the money you have)


SEFCU Lightning Credit Card®

  • Monthly bill to pay
  • Cash advance option (with additional interest payment)
  • Use wherever Mastercard® is accepted
  • 3% cash back on groceries, 2% on online purchases, 1% on all other purchases
  • Interest accrues on unpaid balances

Learn More


Apply Now

Order a SEFCU Debit Mastercard® today

Current SEFCU member?

Open Today

Not a member?



Visit a branch near you

Call 800-727-3328


SEFCU Debit Mastercard®

Keep Life Simple

SEFCU Debit mastercard

Use for bills or purchases

Fee-free ATM access*


View Debit Card

More to think about...

* Members are not required to pay a fee at Allpoint and CO-OP ATMs. If a charge screen appears during your Allpoint ATM transaction, enter “yes” to accept the charge and proceed with your withdrawal. The additional fee will not be deducted from your account. The savings can be $3 or more per transaction. Please note, at international Allpoint and CO-OP ATMs, you will still be responsible for any Foreign Currency transaction fees charged by Mastercard® or Visa®. 
** See for details.