Routing Number: 263178070

EFCU Debit Card

The EFCU Debit Card

Accepted at millions of locations worldwide, the EFCU Debit Card with Enhanced Mastercard Benefits offers convenience and security whether you are shopping in stores or online.

CO-OP Network

Through CO-OP Shared Branch and ATMs, credit unions from all over the country are connected to give members thousands of convenient locations to perform transactions just as if they were in their home credit union. Whether you are at work, home, or your favorite travel destination, EFCU is always nearby.

More is better.

Now, members have access to 80,000+ surcharge-free ATMs WORLDWIDE. We've added Allpoint, the largest retail-based ATM network. Find Allpoint ATMs in retail locations including Target, Winn Dixie, CVS Pharmacy and Walgreens.

EFCU Debit Card Enhanced Benefits

Our debit cards can be used in conjunction with Apple PayTM, Samsung Pay® and Google PayTM. Learn more about digital wallets.
No surcharge or network fee at local EFCU ATMs, Tom Thumb Store ATMs, select MONEYTREE ATMs in the Florida Panhandle, and over 80,000 surcharge-free ATMs nationwide.
Price protection guarantees you the best price on products purchased with an eligible card by refunding the difference if you find a lower price within 60 days of purchase.***
Identity theft resolution services
Extended warranty available up to an additional 12 months (with original warranty purchase).***
Mastercard® zero liability protects you against unauthorized purchases on your card should your card be lost or stolen.**
Mastercard Global ServiceTM provides around-the-clock customer service for all of your account related questions. Contact 800.307.7309
Satisfaction Guarantee provides up to $250 per product, if you become dissatisfied with the product within 60 days of purchase and the merchant will not accept a return.***
Use at thousands of merchants who accept Mastercard® worldwide.
Use it for Point of Sale with no fee (POS transactions look at your available balance only, overdraft protection is not available.)
Extended warranty available up to an additional 12 months(with original warranty purchase)
**Certain restrictions apply. Please see for more details
***Certain restrictions, terms, and conditions apply. Contact 800.Mastercard for full details.
Mastercard Guide to Benefits for Debit Cardholders


Report lost or stolen debit card:
(all hours)
850.862.0111 option 1
800.367.6159 option 1
Activate ATM/Credit/Debit Card or change PIN:
Within USA: 866.762.0558
International: 501.588.7531

Take Control of Your Card

Manage your EFCU Credit and/or Debit Card usage through your mobile device by defining when, where and how your card is used. Available for Android and Apple devices, the free CO-OP CardNavSM app enables you to set controls regarding the transaction types, geographic rules, and the merchant types where your EFCU Credit and/or Debit Card can be used.

Taking a trip?

To ensure you have no interruption of service to your EFCU credit and/or debit card. Please be sure to notify us if you plan on taking a trip out of town. You can call us at 850.862.0111 option 1, or submit your travel notification via DocuSign using our Travel Notification Form.