Buffalo Metropolitan Federal Credit Union

Products and Services

ATM Card

Apply for an ATM card which will permit you to make deposits, withdrawals, and transfers from your share and share draft accounts anytime, wherever you are. To do this you will need a validated ATM card and a PIN (personal identification number).

Access to over 55,000 Allpoint ATMs.

  • " Never pay a surcharge fee when you use your ATM/Debit Card at an Allpoint ATM*
  • " Unlimited number of ATM transactions for only $2.00 a month*

Fee Schedule

Visa Debit Card

A Visa Debit card works like a check, only better. When you make purchases, the amount is deducted directly from your checking account - but you also enjoy added convenience and security.

Pay for Purchases Quickly & Easily.

Use your Visa Debit card when you are ready to pay. It works fast, so there's no need to write checks or fumble for change. Plus, you'll save on trips to the ATM and can leave your checkbook at home.

It's Everywhere You Want To Be®.

Because it's accepted at millions of places worldwide, you can use it for nearly anything, including:

  • Monthly bills
  • Dining/fast food
  • Gas & automatic services
  • Groceries
  • Retail merchandise
  • Internet/online purchases

Swipe & Sign.

When using your Visa Debit card, tell the cashier credit; you will not have to provide your PIN. Some merchants will have you sign the receipt and others may not depending on the total amount of the purchase. Debit card transactions are automatically deducted from your checking account.

Access Your Money at a Register.

With cash back they'll add the amount of money you want to the purchase. Stores that allow cash back include Wegmans, Tops, Rite Aid & Aldies. For other stores, simply ask the cashier if the store allows cash back.

Access Your Money at an ATM.

Just like an ATM Card, your Debit Card will have a four digit PIN! As a Buffalo Metropolitan Federal Credit Union member, you have access to 55,000 ATMs! Find an Allpoint ATM near you.

Up-to-Date Balance & Transaction History.

Check your balance and transaction record online with FREE Online Banking. Call 716.847.6960 if you do not already have a user ID and password for FREE Online Banking.

Security protections that help prevent, detect and resolve fraud, including:

  • Visa's Zero Liability Policy*, which protects you from unauthorized charges. Any funds taken from your account due to fraudulent use will be returned to you.
  • Continuous fraud monitoring to detect and prevent suspicious activity on your debit card.
  • A 3-digit security code to verify your identity for online and phone purchases.
    You receive these security protections when you use your Visa Debit card for online, phone and mail orders or for purchases at merchants that do not require a signature.

*Does not apply to ATM transactions, PIN transactions not processed by Visa, or certain commercial card transactions. For specific restrictions, limitations and other details, please consult Buffalo Metropolitan FCU.

Earn Rewards Just by Using Your Card.

Reward yourself by shopping and saving with merchant discounts just for Visa cardholders.

Traveling With Your Debit Card.

Please contact Buffalo Metropolitan at 716.847.6960 if you are traveling outside the U.S., or to New York City and surrounding areas, Philadelphia and surrounding areas, or the states of West Virginia, Connecticut, California, Illinois, Florida, Texas, or Georgia, so there are no interruptions or difficulties when using your Visa debit card. Visa debit cards are blocked in these areas because of past compromises.

Online Gambling

Please be advised that you may not use any Buffalo Metropolitan Federal Credit Union card to initiate any type of electronic gambling transaction through the Internet.

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