We offer debit card access to our Checking and Statement Savings accounts; however, we do not offer ATM only cards. You can use your Third Federal Debit Card to make unlimited, free purchases at any retailer worldwide that accepts MasterCard®.

Third Federal has partnered with Fifth Third to provide ATM access.  As long as you stay within the Fifth Third's ATM network, there will not be a Third Federal surcharge associated with your withdrawals.

The first four ATM withdrawal transactions at any Fifth Third ATM machine within your statement cycle period (monthly) are free of charge. After the fourth ATM withdrawal, your account will be accessed a $2.00 fee for each additional withdrawal within the statement cycle period. 

You'll need to provide the following information when opening an individual or a joint account:

• You will need a valid Driver's License, State ID or US Passport.
• A valid U.S. address and Social Security number are required.
• You must be at least 18 years old and a U.S. citizen or a U.S. resident alien.
• You will be required to provide personal information, including your birth date.
• If you choose to fund your new account via a transfer from another deposit account at another bank, you'll need to provide the routing number and account number of that deposit account.

To change the PIN (Personal Identification Number) for your Third Federal debit card, call toll-free 1-800-992-3808. 

You need to make sure you know your current PIN and that you have activated your debit card before calling this number.

There is a seven-day grace period from the date of maturity to make changes once a CD has matured.  The seven-day grace period includes Saturdays, Sundays and holidays.

If you believe your card or PIN has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, log in to your online banking or use our convenient mobile app and go to Card Management and change the card status to off. You can also call us toll-free at 1-877-897-5657 or 1-800-THIRD-FED (1-800-844-7333) during our business hours or write us at Third Federal, Attn: Electronic Banking, 7007 Broadway Avenue, Cleveland, OH 44105

Turning off your card using Card Management is not a replacement for reporting your card lost, stolen, or reporting fraud.

Debit cards are issued by banks to customers with checking accounts. Debit cards can be used at cash machines (ATMs) to withdraw money from your checking account and, like a check, they can be used to purchase items at stores and online.

There are  limits on the number of debit card transactions as well as daily dollar limits that apply to both Point-of Sale (POS/PIN) merchant purchases and ATM withdrawals. Click here to see disclosures for more details.

Regarding fees, all purchases made at MasterCard merchants with your Third Federal Debit Card are free.

Third Federal provides four free ATM withdrawals per statement cycle. Third Federal has partnered with Fifth Third Bank's ATM network. As long as you stay in network, there are no additional user fees from Third Federal for the first four transactions.  Beginning with the fifth ATM withdrawal, your account will be accessed a $2.00 fee for each additional withdrawal within the statement cycle period.