I-Pay Online Bill Paying is a safe and secure service for members to pay bills online 24-hours a day by using a personal computer or a smart phone.
Pay bills from anywhere.
Pay bills individually or in batches.
Set up automatic payments.
Download payment history.
Saves you money on stamps and envelopes. Saves you time with convenient access to accounts. Saves you money with this free service. Gives you peace of mind knowing that the credit union uses the highest standard of privacy protection available.
ATM cards allow you access to your accounts via Automated Teller Machines (ATMs) all over the world! You can withdraw cash, transfer funds and check your account balances by using your ATM card and your Personal Identification Number (PIN). The withdrawal limit for an ATM card is $500 a day, or $250 if the ATM system is off-line for any reason. Fees for over-drafting your account due to misuse of your ATM card are $30 per transaction. For surcharge-free ATMs, go to www.co-opfs.org or call toll free (888) SITE-COOP. For lost or stolen cards call 888-241-2440.
Audi: 24-Hour Teller
The Audi Telephone Teller is our free, unlimited telephone access service that gives you current information on all of your accounts, 24 hours a day and 7 days a week.
Check account balances.
Confirm last deposit amount and date.
Find out what checks have cleared.
Confirm ATM and POS withdrawals.
Transfer funds and make payments.
Obtain loan information.
No matter where you are, if you have a touch-tone phone, you have access to your account information. To reach the Audi 24-Hour Telephone Teller, dial (906)-475-0172, (906)-475-0173 or 1-800-679-1088.
Our Debit Card Program is through MasterCard. A debit card works like an ATM card, but with the added benefit of allowing you to make purchases at stores where MasterCard is accepted. You must have a share draft (checking) account in order to obtain a debit card. When used to make purchases, the purchase amount is automatically withdrawn from your checking account. If there is not enough money in your checking account to cover the purchase, it may be declined. If, however, there is an overdraft due to an ATM or merchant terminal being off-line, there may be a $30.00 fee. The withdrawal limit on debit cards is $1,000.00 daily for purchases or $500 if the ATM/debit card system is off-line for any reason. For surcharge-free ATMs, go to www.co-opfs.org or call toll free (888) SITE-COOP. For lost or stolen cards call 888-241-2440.
SIRFCU is a participant in MasterCard SecureCode and so are many Merchants. Are you being prompted by a Merchant’s website to register your card and create a secure code? If you are, you should register your card and create the secure code for the transaction. Last November, MasterCard implemented a security update that requires participating merchants to capture the secure code before completing the transaction. If a SIRFCU debit cardholder does not register or bypasses the MasterCard SecureCode registration the transaction will likely decline. If you don’t feel comfortable registering for the secure code using the pop-up on the merchant’s website you can visit this link to register your card.
SIR Rewards for Debit Cards
All debit card users are automatically enrolled in our SIR Rewards Program.
Earn points when you use your SIR debit card for signature based transactions.
Earn one point for every $2 in signature based transactions.
Redeem points for travel, merchandise, gift cards and more.
At SIR Federal Credit Union we offer a low fixed rate of 8.9% – 11.9% (depending on your credit worthiness) with free ScoreCard Rewards! There are no Annual, Balance Transfer or Cash Advance Fees and we process your application in house. With the new SIR Visa you have the flexibility of making payments online, by mail or at our branches!
Please stop in at any of our three convenient locations in Negaunee, Marquette, or Gwinn; or give us a call and experience our warm and friendly service!
Don't have a computer nearby?
No worries, you can find us on your mobile device too!