Banking Services

Click an option below to learn more about our banking options. CU*SECURE

ATM/Debit Cards

Our ATM and Debit cards are a very convenient way to do your banking. ATM cards can be used at ATM machines (10 times a month without a fee) . Our Debit MasterCard can also be used at an ATM (10 times a month without a fee) and can be used like an electronic check (unlimited with NO FEE). It is swiped like a charge card but instead of charging the amount to credit and creating debt, it is taken right out of your available balance in checking so you avoid finance charges of a credit card! Check out some of the benefits of our ATM/Debit cards:

  • Get money 24 hours a day 7 days a week (ATM machines and use of Debit card)
  • Balance inquiries
  • Make deposits and withdrawals
  • Instead of writing checks use your debit card (Money comes straight from your checking! Shows on statements.)
  • Access to many surcharge free (24 hour ATM available at SB CFCU) ATM machines!
  • Co-Op Concierge: Go on vacation and your card! Let us know where and when you are going so our fraud department recognizes where you are and can keep your account safe and still active.
  • For lost/stolen ATM and Debit card call the credit union Monday-Friday 8:30am – 5:30pm at 231-759-2500. If it is after hours you can call 888-241-2510 within the United States or 909-941-1398 outside the United States.
    • Stop in and fill out an application or fill out and print one right here!
    • Co-Op Network
    • Now It's Easier To Locate Your Nearest ATM!
      • Text: Text your location to 692667 (MYCOOP)
      • Mobile Phone: CO-OP ATM Locator for iPhone or Android
      • Online: Visit
      • Toll-Free: Call 1-888-SITE-COOP

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Direct Deposit/Payroll Deduction

Getting your deposit or withdrawal for your account can be a fast and easy process! We offer direct deposit/withdrawal for anything! You can have your paycheck automatically deposited or even your bills automatically taken out of your account. Call the credit union for details!

You can also set up your SOCIAL SECURITY CHECK to be DIRECTLY DEPOSITED into your account! Visit or call 1-800-333-1795.

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Home Banking

From the comfort of your own home you can do your banking online or on your phone!

  • Access your account history
  • Make transfers
  • Apply for a loan
  • Request a contact
  • Receive E-statements
  • CU*EasyPay (online bill pay – lots of features!)
  • Check current interest rates for loans, savings and certificates
  • And much more!

For our Audio Response banking from your phone, simply call 1-800-860-5704 and credit union # = “029”
Online, Mobile, Text: Visit our E-services section for details on all the great services we offer to our members online.

SB CFCU members can enjoy all our Home Banking Services knowing they can always use our friendly-personal service!

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Other Great Services for our members:

  • Money Orders
  • Cashier's Checks
  • Notary Service (FREE!)
  • Cinema 12 Discount Tickets
  • Michigan's Adventure Tickets
  • VISA Credit Cards
  • VISA Gift Cards
  • CU Travel Money
  • Online Bill Pay
  • Home Banking (Online, Mobile, Text, Telephone)
  • E-statements
  • Kirby Kangaroo Kids Club
  • Seniors Club
  • Variety of savings options
  • Loans for every need from personal to auto and student loans to mortgages
  • Personal Finance Manager system online: Money Desktop and Money Mobile

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Shared Branching

To increase the access to your account many credit unions have teamed up for even more convenient locations . You can make deposits, withdrawals, transfers, and loan payments at any of the shared branching credit unions. Check out the list at the Xtend Branch website:!

Score a Hole in One with SB CFCU!

We all want that “Hole in One” and SB CFCU is the place to reach your financial goals. We are dedicated to making our members financially successful and we hope to see all our members actively play the course and score a Hole In One here at SB CFCU!

  • Par (0-299 points)
    • FREE Audio Response (Telephone Banking)
    • FREE It's Me 247 (Online Banking)
    • FREE Mobile Banking
    • FREE Notary Service
    • Unlimited Debit Transactions
    • 10 FREE ATM transactions per month
    • FREE PFM (personal finance manager) Money Desktop and Money Mobile
  • EAGLE (300-499 points)
    Everything from scoring PAR +
    • 2 FREE Money Orders or Cashier's Checks per month
    • 1 FREE sheet of checks from the credit union per month
    • FREE CU*Easy Pay (bill pay)
    • FREE Check Cashing
  • HOLE IN ONE (500 + points)
    Everything from scoring PAR +
    Everything from scoring EAGLE +
    • 4 FREE Money Orders or Cashier's Checks per month
    • FREE Statement Style Choice
    • 0.25%APR* Auto Loan Discount per month
    • 0.15%APR** Certificate Account Increase per month

    * Annual Percentage Rate. New money loan, minimum of $1,000. **New Certificate Account purchase.

Click Here to see a Score Card (how you earn SB CFCU loyalty points) to score a Par, Eagle or Hole In One!

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Fee Schedule

Wire Transfers
$25.00 Domestic
$25.00 Foreign
Facsimile Fees
$2.00 First Page
$1.00 Additional
$0.25 Photocopies
$2.00 per month Account History
$2.00 per month Replacement Statements
$15.00 Escheatment Fee
$25.00 Escheatment Recovery
$5.00 Holiday Club Early Withdrawal
NO FEE Annual Fee
$10.00 Card Replacement
$5.00 Sales Draft Copy
$20.00 Late Payment Fee
$28.00 Loans Late Payment Fee
Share Draft Fees
NO FEE Monthly Service
$2.00 each Automatic transfer from Savings to Checking
$28.00 NSF Charge
$28.00 Non-Return Fee
$25.00 Stop Payment (per draft or series)
$2.00 Copy of Drafts
$28.00 NSF Charge
$25.00 Stop Payment Fee
Debit & ATM Card Fees
FREE Debit Card
$10.00 Debit/ATM card Replacement
$5.00 PIN change or Replacement
$28.00 NSF Fee
$1.00 each ATM Transactions (10 free) After 10
Miscellaneous Fees
$15.00/hr. Account Balancing
$2.00 Address Change Return Fee
$2.00 Cashier's Checks
$1.50 Money Orders
$50.00 Garnishments & Levies
$50.00 State Warrants, Injunctions & Other Legal Attachments
$50.00 Subpoena of Member's Records
$5.00 Dormant Account Fee*
$5.00 Check Cashing Charge**
$25.00 Reopen account within 6 months of closing
$50.00 Loan Modification
$5.00 Accounts closd within 90 days of opening

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* An account is considered dormant when it has been inactive for a period of 24 months and has a balance under $100.00. Exceptions: accounts that have a loan, certificate of deposit, active checking, IRA or members under the age of 19.

** If 18 or over and Aggregate share balance is less than $100.00 with no loans.

Fees may be waived depending on circumstances & account standing.


SB Community Federal Credit Union does not solicit personal or private information via e-mail.

SB Community Federal Credit Union is not responsible for the content or availability of any sites to which it is providing links.