Every Checking Account comes with a
Rhode Island Credit Union debit card to use anywhere you go.

Use it everywhere. Use your debit card anywhere you shop to pay from your checking account without writing a check. You can even get cash back at participating merchants.

Receive enhanced security. All Rhode Island Credit Union debit cards have chip technology for increased security. When you use your card at a chip enabled card reader, the embedded chip generates a one-time use code. This code is virtually impossible to counterfeit and helps reduce in-store fraud.

Mobile pay available for your debit cards. We offer Apple Pay, Android Pay and Samsung Pay. These apps are easy to use, secure and accepted in millions of stores across the country.

ATM access. Use it to make withdrawals, deposits or balance inquiries at participating ATMs.

An ATM Card is available if you need ATM access to your Share Account and do not have a Checking Account. Make withdrawals, transfers and balance inquiries at Rhode Island Credit Union ATMs or at thousands of other participating ATMs.


Free ATM access at our branches and at participating Credit Union ATM Connection locations


Secure and convenient method of payment for your debit and credit card.


Obtain a card instantly in a branch or apply to have one mailed.


Optional Overdraft Privilege is available for checks, ATM and everyday debit card transactions.

Surcharge Free ATM Access

Rhode Island Credit Union members can also enjoy surcharge-free ATM access at any MoneyPass® Network, SUMSM Program and CO-OP ATM located throughout the United States.

Members have free ATM access at any of our branch locations and at participating Credit Union ATM Connection locations.
To activate your debit card, call 800.992.3808 and follow the prompts. Instant issue debit cards obtained in a branch do not require activation.
Obtain a card instantly in any branch location or apply to have one mailed.
To report your ATM Card or Debit Card lost or stolen, please contact 401.751.7440 or any branch office during business hours or during non-business hours contact 833.337.6075 (Domestic) or 614.564.5105 (International).
You can change your PIN at any Rhode Island Credit Union ATM provided you know the current PIN.

If you do not know your current PIN, please contact 800.992.3808 and follow the prompts.
Yes, there is a $500 daily cash withdrawal limit and a $500 daily limit on point of sale transactions. Higher limits will be considered upon request.
Important Restrictions

Due to increased fraudulent use of stolen ATM, debit, and credit card information, we find it necessary from time to time to place restrictions on certain types of transactions and in high risk geographical locations where they may be conducted. Unfortunately for security reasons, we cannot always share the details of why and when we need to take this preventative course of action. Likewise, our network partners may also restrict transactions on a global basis when threats impact a large population of cardholders. All of this is done to prevent loss to cardholders and financial institutions but unfortunately may cause inconvenience and disruption in service at times. When you plan to travel, please let us know beforehand so we can try to accommodate your needs should there be any restrictions in place.

Unlawful Internet Gambling Enforcement Act

Rhode Island Credit Union is required to comply with the provisions of the Unlawful Internet Gambling Enforcement Act (“UIGEA”) and Regulation GG. This notification is to inform you that restricted transactions, as defined under the UIGEA, are prohibited from being processed through your account or relationship with us. Restricted transactions include transactions in which a person accepts credit, funds, instruments or other proceeds from another person in connection with unlawful Internet gambling.

By maintaining a Rhode Island Credit Union account, you agree not to use your account, access device, or any services made available to you for unlawful Internet gambling or other illegal activities. We may terminate your account relationship if you engage in unlawful Internet gambling or other illegal activities.