Banking Services

MasterCard® Debit Card


Imagine getting through life without ever having to dig for change — or worse, write a check. Use your free MasterCard® debit card for purchases around the globe and online. 

Our debit card is safer than carrying cash and more readily accepted than checks. The very same card is used to make ATM withdrawals. One tiny piece of plastic; a whole lot of versatility.

  • Fast, free, and easy*
  • Safer than carrying cash
  • More convenient and safer than checks
  • Eliminate cost of purchasing checks
  • Make purchases anywhere MasterCard® is accepted
  • 24/7 access to funds via ATMs
  • Enhanced security with MasterCard® SecureCode™
MasterCard® SecureCode™

Benefit from increased security — enroll your First Federal debit card in MasterCard® SecureCode™. This free add-on uses an extra authentication step to protect your card from unauthorized use at participating online merchants.

  • Free service
  • No need to get a new card, simply enroll your existing one
  • Add an extra level of security for online purchases with participating merchants
    • Register your debit card for MasterCard® SecureCode™
    • Shop at participating merchants and pay with your enrolled card
    • Submit your order as you normally would
    • The MasterCard® SecureCode™ box will automatically open and will ask for your SecureCode™ — just like using a PIN at the ATM
    • Enter your unique SecureCode™ to confirm your identity and complete your purchase
    • This communication is between you and First Federal; your card issuer and your information is never shared with the merchant
  • Sign up using this simple online form

Lost or Stolen Card

If you believe your First Federal card has been lost or stolen, contact your local branch during regular business hours or call (800) 498-0013. After hours and on weekends, call (800) 554-8969.

Otherwise contact the card issuer directly using the phone numbers listed below for debit, ATM, and
credit cards.

Debit & ATM Cards
Report lost or stolen Debit or ATM cards by calling your local branch during business hours at
(800) 498-0013 or call this number after hours and on weekends (800) 554-8969.

Credit Cards - Elan
Personal Account: (800) 558-3424
Commercial Card: (866) 552-8855

 *No fees when used at an ATM owned and operated by First Federal of Northern Michigan.