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COPOCO Community CU
Online Account Access 24/7
  • VISA Balance Trans w uChoose Rewards
  • mobile deposit capture Jan 2020
  • Turbo Tax 2020
  • Mobile Deposit Capture is Here
  • VISA Balance Trans w uChoose Rewards
  • mobile deposit capture Jan 2020
  • Turbo Tax 2020
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ATM / Debit Mastercard

When it comes to making purchases, you deserve simplicity. Shop with your COPOCO Community Credit Union ATM / Debit Mastercard anywhere you see the Mastercard logo and the amount will be deducted directly from your checking account.

You can also get cash back with your COPOCO Mastercard ATM / Debit card at the check-out of most local merchants and national retailers that accept debit card as payment.

APPLY HERE for your ATM / Debit Mastercard

Upon approval, your ATM / Debit card will be mailed to you within 10 business days of application. Applications must be signed and returned to any branch office for processing. At this time they cannot be processed online.

CHOOSE YOUR PIN (Personal Identification Number): Your card can be programed with the PIN of your choice when you call 800-992-3808 or bring it in to any one of our branch offices for programming.


Local Fee FREE ATM Locations   Here, There, and Everywhere… access your money from just about Anywhere”

  • COPOCO Community Credit Union - 4265 East Wilder Road – Bay City
  • COPOCO Community Credit Union - 1479 Straits Drive - Bay City (At US-10 and Mackinaw Road)
  • COPOCO Community Credit Union - 3262 Cabaret Trail South - Saginaw
  • Ideal Party Store - 908 North Johnson Street – Bay City
  • Ideal Party Store - 401 Salzburg Avenue -  Bay City
  • Saginaw Soccer Complex - 3575 McCarty Road - Saginaw
    • (During Seasonal Events Only)
  • Consumers Energy  Service Center - 2400 Weiss Street - Saginaw
    • (During Office Hours Only)

CardValet App

The mobile app that lets you control your card usage and spending on the go! You control how, when and where your card is used.

  • Protect yourself against fraud
  • Customize alerts for your transactions
  • Track spending
  • Turn your card on and off
  • Set locations where the card can be used
  • Restrict transactions based on merchant type
  • Establish transaction amount limits
  • CardValet Quick Reference Guide (printable)




It only takes a minute or two to download the CardValet App from:

Once the App has downloaded, tap the icon and the CARDVALET App will launch and establish a secure network.

  • Login to the Application
  • The first time, you will need to register your COPOCO Community Credit Union ATM / Debit Mastercard
  • Enjoy immediate access to your account information and controls

SecureCode Registration Here   mastercard logo

The Security and Privacy of your payments are important.  Protect your Mastercard ATM / Debit card with your own personal password so only you can purchase with it online.  It's easy, safe and FREE of charge.  Without Mastercard SecureCode Registration, chargeback rights may be lost should a fraudulent charge post to your account.

EMV Chip Cards

Chip technology is becoming the security standard in the U.S. as many merchants are beginning to accept chip cards and we want to make sure you are fully equipped. Plus, you will have greater security when making purchases at a chip-enabled terminal!
EMV Cards (chip cards) If you have any additional questions, you are more than welcome to or contact our call center at 800.292.2897.
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