Your City of Boston Credit Union Debit Card is a hassle free way of making purchases wherever the MasterCard® symbol is displayed. Funds are automatically deducted from your checking account. Keep track of your purchases in your check register, plus you will receive an itemized record of your debit transactions on your monthly statement. Your City of Boston Credit Union Debit Card combines 24-hour access to your money with the purchasing power of MasterCard.
Features:
- No transaction fees for purchases
- No finance charges
- Free 24-hour cash access at ATMs*
To get a debit card, members must simply open a checking account and apply (click here to download a checking application). Members, who already have a checking account but never had an ATM card, can apply anytime for the new debit card (click here to download a debit card application).
* Debit Card ATM daily cash withdrawal limit of $500.00. $2,500.00 daily limit for Point-of-Sale purchases or when card is present. Free ATM withdrawals at all CBCU ATMs and surcharge-free SUM Program ATMs with direct deposit of your payroll check into a City of Boston Credit Union account. Without direct deposit of payroll check your first 5 ATM transactions per month are free at CBCU ATMs and surcharge-free at SUM ATMs, thereafter you will be charged $1.00 per transaction by CBCU. ATMs owned by institutions not on the SUM Program may impose their own surcharge. For a complete list of SUM Program ATMs visit www.sum-atm.com.
Important: before traveling to a foreign country call the Credit Union at 617-635-3899 to be sure no country specific restrictions apply to your card.
ATM Card
A City of Boston Credit Union ATM Card allows National access to your credit union accounts for cash withdrawals and transfers at ATM machines. You can access your Share Deposit Account, Money Market Account, or NOW Checking Account. Members are allowed Free ATM transactions* with direct deposit of their paycheck into a City of Boston Credit Union account.
* ATM Card daily cash withdrawal limit of $500.00. Free ATM withdrawals at all CBCU ATMs and surcharge-free SUM Program ATMs with direct deposit of your payroll check into a City of Boston Credit Union account. Without direct deposit of payroll check your first 5 ATM transactions per month are free at CBCU ATMs and surcharge-free at SUM ATMs, thereafter you will be charged $1.00 per transaction by CBCU. ATMs owned by institutions not on the SUM Program may impose their own surcharge. For a complete list of SUM Program ATMs visit www.sum-atm.com.
- Click here to download an ATM Card Application
We offer overdraft protection for all of our present members who have a Checking Account. This allows the credit union to automatically transfer any available funds from your Share Deposit Account or Money Market Account to your Checking Account to cover any checks presented to the credit union for payment which would otherwise be returned for insufficient funds. You will be charged a $1.00 service fee for any transfer that is made regardless of whether it covers one check or several checks in any one day. If you wish to have your account set up for overdraft protection, check the yes box on the checking account application and sign and submit this form with the application.
Direct Deposit
Provided that your place-of-employment offers Direct Deposit, you may have your paycheck (less taxes and other deductions) automatically transmitted to your City of Boston Credit Union Account. The Direct Deposit program is an easy way to make sure your pay is deposited into your account promptly, hassle-free.
The Direct Deposit Program may also be used for Social Security and other benefit/pension checks. This is in light of the January 1999 federal law that requires all individuals receiving US Government checks to start having their payments directly deposited. However, City of Boston Credit Union's Direct Deposit program is not mandatory.
Although Direct Deposit of federal payments is strictly voluntary, it remains the best payment method in terms of security and convenience. Contact us today to get your Direct Deposit started!
As an added bonus, members with Direct Deposit of their payroll check into a City of Boston Credit Union account receive free ATM withdrawals at all CBCU ATMs and surcharge-free SUM Program. ATMs owned by institutions not on the SUM Program may impose their own surcharge. For a complete list of SUM Program ATMs visit www.sum-atm.com.
To Change or Initiate Direct Deposit
Contact your PAYROLL DEPARTMENT to get their direct deposit form. Some employer forms are available at the Credit Union. For the routing and transit number, use 211080822 followed by your member number. Include the account name where funds will be deposited to. For example, choose to deposit to main share savings (123456-01), share draft/Now checking (123456-40), or Money Market (123456-45) then write the account name next to your choice.
For more information please call Member Service at (617) 635-4545.
Payroll Deduction
Payroll Deduction is a great way to save. If direct deposit isn't for you, you may have a deduction from your payroll check come right to your credit union account.
24-Hour toll-free Telephone Banking System
- 888-833-5589
- More information and instructions
Home Banking, Bill Pay and eDocument Delivery
The Internet offers a convenient, secure environment for City of Boston Credit Union Members to access their accounts. With CBCU FREE Home Banking you can check account balances, make transfers, monitor cleared checks and much more!
Plus with our FREE Bill Pay service you can now pay your bills online, directly from your CBCU Checking Account. No more hassle of writing checks, buying stamps and relying on mail arriving on time.
As a Home Banking user you can also opt to receive your monthly account statements and/or loan invoices securely online. Each month you'll receive an email alert that your documents are ready for viewing. Then you'll simply need to log into your Home Banking account and click on your documents. This feature is very useful when you need to retrieve past statements or you need an image of a cleared check from your account - both are right at your fingertrips and can be printed as you need them. Up to 16 months of statement and check history are stored and accessible.
If you are currently a City of Boston Credit Union Member click here to get started.
Coin Machine
Both our Dorchester and West Roxbury locations have coin counting machines for member use. Following are the fees associated with the coin machine use.
- Member of City of Boston Credit Union - FREE!
- Non-member of City of Boston Credit Union - 25% of total coin
Please note these machines do not accept half dollar and dollar coins. Receipts for counted coin must be redeemed the same day coin is counted.
Safe Deposit Boxes
Available in our West Roxbury location only.
Other Services
- Notary Public Service
- Money Orders
- Loan Protection Service
