How do I activate my Debit Card?
Call 1-866-543-5073. You must have your PIN to activate your card.

How do I activate my Visa Credit Card?
Call 1-800-543-5073.

How do I change my Debit Card PIN?
Call 1-866-297-3411. You must have current PIN to make change.

What if I don’t know my current Debit Card PIN?
Call your local Service 1 FCU location and we will reset your PIN or request your current PIN be sent to you.

How do I order checks?
You can order checks online at or any Service 1 FCU location.

Is there a fee for your checking?
No, our checking is FREE.

How much does it cost to transfer a loan from another financial institution to S1FCU?
We do not charge you to transfer a closed-ended loan such as an auto loan. We do offer mortgages at our Michigan and Alabama locations and costs to transfer a mortgage loan will vary.

Do you offer home mortgage loans?
We offer home mortgages at our Michigan and Mobile, Alabama offices only at this time.

Can I still get a loan if I don’t have perfect credit?
We review all loan applications and take every situation into consideration.

What are your credit card interest rates?
We offer a no-fee Visa credit card with a low, fixed rate of 9.9% APR.

Is there a fee for using the ATM?
Members receive 4 withdrawals, 4 transfers, and 2 inquiries per month FREE. If these numbers are exceeded, transactions are $1.00 each. Transactions are valid at ATMs owned by Service 1 as well as those in the Co-Op Network. Other ATMs outside of this network may assess a fee.

Do you have Online Bill Pay?
Yes, we offer FREE Online Bill Pay to our membership. Visit and simply click on the It’sMe247 log in to get started.

How do I reset my pin on Home Banking if I have not used it in over 60 days?
Call your local Service 1 FCU office and we would be happy to assist you.

How long do I have to wait for my new debit card?
New members opening a share account with a MasterCard debit card may receive a card and PIN within a matter of minutes. Cards that are mailed from our processor can take between 5 to 10 business days. After receiving your new card, your PIN will arrive by mail approximately 2 to 3 days later.