Products & Services: ATM/Phone Banking

SmartCash VISA Check Card

You don't have to write a check to make purchases with the money in your checking account. Simply reach for the SmartCash Card. You can use it like a check wherever VISA cards are accepted.

There's no I.D. to show, no checkbook to carry, and no waiting for check approval. You receivea receipt for easy record keeping. And every transaction is detailed on your checking account statement.

With SmartCash, you can access money at Automated Teller Machines displaying the VISA, STAR, PLUS, Exchange, and American Express emblems. You receive eight (8) network transactions a month free. Above that, the fee is $1.00 per transaction.

You can use your SmartCash Visa Check Card to withdraw funds at the Credit Union-owned ATMs - Towson and Perry Hall with no surcharge!

Allpoint ATM Network

Through our affiliation with Allpoint, America’s largest ATM network, we offer you access to thousands of surcharge-free ATMs across the country.  Recently, Allpoint incorporated 5,500 7-Eleven ATM locations to their network as well as 2,500 ATMs in the United Kingdom. Allpoint now boasts over 40,000 surcharge-free locations worldwide!

The Allpoint ATM Locator can be found on the homepage of our website. By typing in a zip code and clicking “GO,” you will receive a list of the 50 closest Allpoint ATM machines with specific street addresses.  For the Allpoint Locator, click here.

For a listing of other Credit Union-affiliated no-surcharge ATMs in the Baltimore- Metropolitan area, click here.

The SmartCash Card is faster, easier, and more convenient than a check. Need more information? Contact Member Services at 410-828-4730.
To apply, click here.

Savings ATM Card…
for members with Savings Accounts only!

Members who do not have a SmartCash VISA Check Card or a Credit Union Checking account can have convenient access to the funds in their savings account with our Savings ATM Card. Here are some of the benefits of this card:

• Account access at PLUS,
   ACCEL/EXCHANGE, STAR and
   ALLPOINT networks

• Cash withdrawals, account balance inquiries at any ATM
   (automated teller machine)

• Make deposits at Credit Union-owned ATMs with no fee

• 40,000 surcharge free ATMs through the Allpoint network

To apply for your Savings ATM card, click here.

Applications are also available in the lobby of both offices.

To review the Savings ATM Card Disclosure, including applicable fees, click here.

Banking By Phone

Quick Teller Audio Response
410-825-6180
410-828-4730, press 1
1-800-234-4730, press 1

Complete your financial transactions in minutes from your home or office. By using a touch-tone phone and a few simple codes, your account information can be accessed through our innovative audio response system.

With QuickTeller, you can do more than the usual account balance inquiry, transfer of funds, verification of a payroll deposit, account history and status of a check. You can obtain interest rates, general office details, and information on special promotions. You can even calculate loan payments and investment returns you would earn through "what-if" scenarios.

For helpful hints on using QuickTeller Audio Response, click here.

Apply for this no-cost convenience click here!