Wisconsin Medical Credit Union Offers Free and Easy Checking!

  • No Minimum Balance
  • No Monthly Service Fees
  • No Minimum Transactions
  • Free Debit Cards*
  • Free Online & Mobile Banking
  • Free Bill Pay*
  • Over 80,000 Free ATMs

* see our fees and charges sheet for details

Debit Cards

We Have EMV!

Stronger account security with chip cards
Your Wisconsin Medical Credit Union debit chip cards feature a tiny microprocessor in the card. Using your new chip card in a chip-enabled terminal creates unique data for that transaction, providing an extra layer of protection for your account. Your new chip card brings this additional security at no cost to you.

Easy to use
Retailers are installing chip-enabled terminals at their cash registers where your chip card can be used easilyand securely. Simply insert your chip card into the slot at the bottom, leaving your card in the terminal until thetransaction is approved and completed. After the transaction is complete, you will then remove your card. You can use your debit chip card for signature and PIN transactions. Plus – if you travel internationally, chip cards are accepted and preferred in over 130 countries worldwide!

Q: What is a chip card?

A: A chip card is a standard-size plastic debit or credit card that contains an embedded microchip, as well as the traditional magnetic stripe. The chip protects in-store payments because it generates a unique, one-time code that is needed for each transaction to be approved. It is virtually impossible for fraudsters to replicate this feature in counterfeit cards, providing you greater security and peace of mind when making transactions at a chip-enabled terminal.

Q: Is a chip card different than a smart card or EMV* card?

A: No, you may hear chip cards referred to as "smart cards" or "EMV cards" – they are all different ways of referring to the same type of card. Similarly, an EMV terminal is the same as a chip-enabled terminal.

Q: When can I expect to receive a new debit or credit card with chip technology?

A: If you don't have a debit card with chip technology today, you'll receive one when your old card expires or needs to be reissued. Until then, use your standard card with the magnetic stripe.

Q: Why does my WMCU debit or credit card now include a chip?

A: As chip technology will soon become the security standard in the U.S., many merchants are beginning to accept chip cards and we want you to be ready. You'll have greater security when making purchases at a chip-enabled terminal since the chip provides better protection against counterfeit fraud. Chip technology is already used in over 130 countries around the world, including Canada, Mexico and the United Kingdom, so you'll also enjoy greater acceptance when traveling internationally.

*"EMV" is a trademark owned by EMVCo LLC.

Free ATM Locators

Wisconsin Medical Credit gives you access to over 80,000 free ATMs. To find one near you click on the links below.

Click here for a list of free credit union ATMs

Click here for a list of free bank ATMs

After Hours

Lost or stolen card reporting

Call: 1-800-264-5578

Fraudulent Activity

Call: 1-800-264-5578