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Debit Card

Added convenience to your Northern checking account


  • Our Debit Card is accepted as a VISA® Card by more than 13 million merchants around the globe.
  • Instead of charging to a credit card or line of credit, your purchase is deducted from your Northern Checking account.
  • You have access to 27 Northern ATMs and 30,000 additional ATMs in the CO-OP ATM network throughout NNY which allows you to withdraw cash fee free. Find an ATM near you!
  • Complimentary enhanced protection of your card through eNFACT, a fraud monitoring system, to identify suspicious or potentially fraudulent transaction activity. Learn more about our Fraud Protection.  
  • For just $5, you can make your debit card more fun by personalizing it with your favorite photo. Visit our Debit Card Builder to upload your pic.

Fraud Protection

We have your back 24/7. Here's what to do if fraud has been detected or if your card is lost or stolen.

Traveling with your Debit Card

Let us know about your travel plans ahead of time by completing a Travel Notification Form form and make sure you follow these tips. Bon voyage!

NEXT & HSA Debit Cards

Both the NEXT echecking and HSA (Health Savings Account) programs come with free debit cards so you have easy access to your funds.

Credit vs. Debit

Here's a breakdown of what it means when you select to run your Northern Debit Card as either "Credit" or "Debit" when making purchase transactions.  

Apple Pay

Apple Pay® is a mobile payment and digital wallet service that lets you quickly and easily make purchases at participating merchants using your iPhone®, iPad®, or Apple Watch®. Paying in store or within apps has never been easier or safer. Now you can use your Northern Credit Union VISA® Debit Card with just a touch of your finger on the Touch ID.

Using Apple Pay is as easy as 1, 2, 3. Don’t just take our word for it. See for yourself!

Use the resources below to get started:
        • Apple Pay FAQS 
        • Set Up Guide for Apple