Money Management Tools

At MAFCU, we believe there's only one way to manage money: your way. That's why we offer you a variety of tools and techniques so you can access the resources you need - how and when you want them:

At MAFCU, you'll find the services you need to make managing your finances easier than ever. Along with free online services with bill pay, remote deposit, mobile services and more, we also offer:

  • Member Automated Telephone Teller

    Through "MATT," our Member Automated Telephone Teller, you can access all your accounts anytime, anywhere through a touch-tone phone. Just follow the user-friendly voice guided menu system to:

    • Access account information.
    • Transfer funds between your MAFCU accounts or to other MAFCU members' accounts.
    • Pay your MAFCU Visa® Credit Card bill or MAFCU mortgage.

    It's easy to get started. Call 301-944-1800 or 800-95-MAFCU then press 1. You'll need your Member Number, MATT Access Code and account or loan numbers to get started.

  • Visa® Debit Card with Secured Chip Technology

    Available free with any MAFCU checking account, this Secured Chip Technology ATM/debit card gives you convenient access to your MAFCU accounts at thousands of ATMS (including our Free ATM network) plus the freedom to make purchases anywhere Visa® is accepted.


    • Improved Security
      • MAFCU Debit Cards include the latest EMV technology as and added layer of security, providing increased protection against fraud.
    • World Wide Acceptance
      • EMV cards make traveling easier and more convenient with its worldwide acceptance.  Your card continues to have the traditional magnetic stripe on the back, enabling you to use it at merchants without chip-enabled terminals.
    • How It Works
      • You can use your EMV card at chip-enabled terminals around the world, plus online, over the phone and at ATMs.
      • If a merchant or ATM is not yet chip-enabled, you can continue to swipe your card, as it still contains a magnetic stripe.
      • If you're asked to insert the card, look for slot on the bottom-front of the terminal and insert your card face up with the chip first.
      • Leave your card in the terminal until the transaction is complete.
      • The terminal will prompt you to sign or enter a PIN to validate your identity.
      • Remove your card from the terminal when prompted, don't leave it behind!

    You also earn ScoreCard Rewards Points on all signature-based purchases at the rate of 1 point for every $2! Login into your ScoreCard Rewards Center to view your point balance or redeem for valuable awards.

    Household Your Bonus Points

    What is householding? With our Householding feature, you can link multiple accounts together for the purpose of combining and redeeming Bonus Points for rewards. For example, linking your MAFCU debit card and your MAFCU credit card.

    If you would like to combine Bonus Point earnings from multiple accounts, you may submit an application in our Score Card Rewards center.

    Score Card Rewards

  • Direct Deposit

    Why wait in line to deposit your paycheck? With free direct deposit from MAFCU, you don't have to. You save time, and if you are ill or on vacation, the money is always there on payday!

    Just give your payroll department our ABA #255077477 and your account number. That's all we need to receive your direct deposit.

  • Automatic Payment

    Pay your loan automatically every month from your MAFCU savings or checking account with this free service and:

    • Take the hassle out of mailing a check every month.
    • Benefit from a .25% lower loan rate on a variety of loans when requested and set up at the time of the loan signing. If you would like payments to come from a non-MAFCU account you can set up an external transfer by logging into your online banking.
  • Wire Transfers

    Need to send or receive a wire transfer? MAFCU makes it simple. For a small fee, you can send a wire transfer by signing in to Online Banking. Here's how:

    • If sending a wire, MAFCU needs the bank name, routing number and the name, address and account number of the receiving party.
    • When receiving a transfer, the institution initiating the transfer will need our Credit Union name and routing number (255077477), and your name and Credit Union account number.
    • An IBAN number is now required for wires to European countries.
  • Visa Gift Cards

    Mid-Atlantic Federal Credit Union (MAFCU) Visa® Gift Card makes a perfect gift for any occasion.

    • Available in amounts of $10 to $1,000. 
    • Accepted at millions of locations worldwide.

    There is a $4.00 service charge for MAFCU members and a $5.00 service charge for non-members.

    Stop by your local branch to purchase them today!

  • Online Check Reorders

    Express yourself with checks that reflect you. Order checks fast with just a few clicks. You can customize your checks and order checkbook covers that express your personality.

    View your check order status

    Browse our catalog of hundreds of checks and accessories

    Browse our collection of designer covers

    Order Checks

  • Retirement Central

    Retirement Central gives you practical ideas you can apply today to help you achieve financial security in retirement.

    Retirement Central