ATM/Debit Card | Atlantic Federal Credit Union
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Routing #: 221276370

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ATM/Debit Card

Access thousands of ATMs 24/7 with a Credit Union ATM or Visa┬« Debit Card. The Visa┬« Debit Card also lets you make purchases anywhere you see the popular VISA logo.

Our fraud protection tool blocks Members' cards from being used in certain locations. To learn more about locations where transactions are currently blocked, please contact Member Services at 908-245-1750 before you travel.

Nationwide ATMs

We belong to the CO-OP Network allowing our members to use ATMs across the country. ATMs are free of charge wherever you see the CO-OP logo. 

  • Access more than 30,000 surcharge-free ATMs
  • Several convenient ways to find ATMs near you:
    • Visit our locations page
    • Download the CO-OP app using your mobile phone
    • Text your address, zip code or city and state to 91989

ATM/Debit Card PIN Changes

Effective immediately, PIN numbers can now be changed by our members by calling the Voice Response Unit (VRU) 1-866-272-2725.  This VRU number is also provided to members when you receive your new Debit Card in the mail with instructions to call the VRU phone number to activate the Debit Card before using it (for security purposes).  Please take notice that when you call the VRU phone number, to change the PIN is option #3, and you will be prompted to:

  • Enter your entire debit card number (16 numbers) followed by the # key
  • Enter your primary phone number, followed by the # key
  • Enter the last 4 digits of your primary social security number, followed by the # key
  • Enter your current PIN number, followed by the # key
  • And then enter your new PIN number, followed by the # key (must enter the new PIN number twice)