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Member Services



Chief Financial FCU's ATM card provides the convenience of being able to access your account for withdrawals, deposits, and inquiries at thousands of locations across the United States.

Your ATM card comes with a Personal Identification Number (PIN) which acts as your "secret password" for transactions. It is imperative that you do not keep your PIN with your ATM card. Memorize your PIN and keep it confidential. If your card is ever lost or stolen your accounts cannot be accessed without the PIN.

To apply for your personal ATM card, call our Member Services Department or apply online today!

ATM card application



MasterCard Debit

The MasterMoney debit card from Chief Financial Federal Credit Union combines two kinds of convenience into one extraordinary card. You can use your debit card to make purchases from over 10 million merchants who display the familiar MasterCard logo, and to obtain cash from thousands of ATMs coast to coast. Each time you use your credit union MasterMoney card, the amount of your purchase or cash withdrawal is automatically deducted from your credit union Checking Account. This means that you incur NO interest charges, NO transaction fees, and NO hassles.

MasterCard SecureCode: Your own private code for added peace of mind when you shop online. It's a new service to enhance your existing MasterCard card. Your own private code means added protection against unauthorized use of your card when shopping online. Every time you pay online at a participating merchant with your MasterCard card, a box pops up from your card issuer asking you for your SecureCode - like the credit union does at an ATM. In seconds, your issuer confirms it is you and allows your purchase to continue. To sign up for this added feature please CLICK HERE.

MasterCard Debit application

New Debit Card Fraud Detection System

As part of our continuing effort to bring the best technology and service to our members, we at Chief Financial Credit Union are upgrading our Fraud Detection and Notification System. The new system will provide more immediate attention to notify our members faster when fraud is suspected. The notification portion of the system includes a state-of-the-art automated assistant to help our members review transactions and confirm their spending activity on debit cards.

If you receive a notification call from our automated assistant, whom we have nick-named Jill, please work with her to answer questions regarding recent card activity. Please also be aware that our Card Member Security team that provides fraud alert management is available 24 hours per day, 7 days per week should you need assistance from a live agent.

Click here for more information

Fraud Protection Tips

With the Holiday season in full swing, protect your debit card from fraud with these helpful tips.

  • Keep your card and PIN number separate from each other.
  • Immediately call 888-241-2510 if your card is lost or stolen.
  • Make sure Chief Financial has your current contact information.
  • Traveling? Contact us at 800-844-5440 Ext.2110 so we can note your card for safe travel.
  • Report suspicious activity immediately
  • Never allow someone else to use your card and PIN number
  • Monitor your account daily using E-Chief Home Banking at or download our Mobile App



Online Banking/Bill Pay

Chief Financial Federal Credit Union offers FREE* Online Banking and Bill Payment!!!!

Take advantage of E-Chief and access your accounts from the comfort of your home, office, or anywhere else you use a personal computer.

Online Banking allows you to perform transactions on your accounts and make payments to your creditors without having to write checks. Just think of how much money you could save just in stamps!

Plus, you wont have to worry about conducting your business during normal office hours. This service is available to you 24 hours a day, 365 days a year.

Register for E-Chief



Direct Deposit

If your employer participates, or if you are the recipient of a regular government or pension check, you may have your money directly deposited into your Chief Financial Federal Credit Union account. This free service enables you to get your funds more quickly, and since no check has to be printed and sent through the mail, it's safer and more secure.

Download the Direct Deposit applilcation



Payroll Deduction

With Payroll Deduction, you can authorize your employer to send any portion of your paycheck directly into your Chief Financial accounts every payday. This can be a convenient way to save or to pay back loans automatically.

Contact Chief Financial at 800-844-5440 if you have any questions.



Notary Services

Chief Financial offers a Notary Service FREE to all members!



Check Reordering

Out of paper checks? Reorder your checks securely from the comfort of your own home!

Access the Secure Check Reorder form



Audio Response

Chief Financial FCU's Chief info-line is available to you 24 hours a day, seven days a week to access your account. Using a toll-free number and your Personal Identification Number (PIN) you can transfer funds between your accounts, inquire on balances, hear checks that have cleared, and much, much more.

Chief Info-Line Audio Response 1-800-653-4852.



AD&D Insurance

Unfortunately accidents can happen to anyone, so it pays to be prepared. Under this plan, you can select benefit amounts up to $250,000 of coverage against accidental death or dismemberment. This plan gives you additional, realistic coverage for only pennies a day. You are insured 24 hours, 365 days a year, anywhere in the world.

The Credit Union provides all adult primary members with $2,000 of Coverage at NO COST TO YOU!

If you are an active member of Chief Financial Credit Union, and you are at least 18 years old, you may take advantage of $2,000 of Basic Accidental Death and Dismemberment (AD&D) Coverage. The plan offers full 24-hour protection against a covered accidental injury anywhere in the world, on or off the job, on business, on vacation and at home.

Up to $250,000.00 in additional coverage for members and their families is available at low group rates. Premiums for additional coverage are conveniently deducted each quarter from your credit union account.

AD&D is an excellent and affordable supplemental coverage that is not individually rated, with a benefit that increases automatically by 5% for every two years of continuous coverage (voluntary purchased coverage only) up to 25% over the original benefit amount.

Enrollment forms are available at the credit union, or for more information call (800)942-3646.

Activate your no-cost coverage today



Credit Insurance

Chief Financial believes that your debt should not be part of your family's inheritance. As such, we offer Credit Life (Loan Protection) Insurance up to $10,000.00 on aggregate Consumer Loans (not including real estate loans), at no direct cost to you. If you should die while the coverage is in force, Loan Protection Insurance will automatically repay your loans.

Loan Protection is available until age 70, provided eligibility requirements are met. Joint Coverage with a co-maker is available at a reduced rate.

Credit Disability Insurance can be purchased in conjunction with loans in the event you become sick or injured. If a member is disabled at the time a loan is disbursed, they are not eligible for this type of insurance. This low-cost insurance will guard against temporary disabilities. After being out of work for 30 days, benefits can begin on the 1st day of the disability. In order to be eligible for Credit Disability Insurance, you must be working at least 30 hours per week in you current job and be 64 years of age or younger at the time of your loan request.



Auto & Home Insurance

TruStageā„¢ Auto & Home Insurance Program

You trust your credit union to offer products and services to help you do more with what you have. That's why we've joined with a dedicated team of insurance professionals to bring you the TruStage Auto & Home Insurance Program.

Working with carefully selected insurance partners, these programs can provide discounted rates for credit union members, online services, and 24/7 claims service.

If you haven't compared auto or home insurance rates lately, it's a great time to take a look. Your credit union membership could result in some nice savings.

Get your free quote today or call 1-855-483-2149.

TruStageā„¢ Auto and Home Insurance program is offered by TruStage Insurance Agency, LLC and issued by leading insurance companies. Discounts are not available in all states and discounts vary by state. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union.





Chief Financial Federal Credit Union belongs to the National Credit Union Administration (NCUA). The NCUA insures each member's shares at Chief Financial up to $250,000. We want you to know your money is safe with Chief Financial!!




Chief Financial Federal Credit Union invites you to take a payment break on one or all of your consumer loans*.

If you qualify, you can skip a payment on one or all of your consumer loans with Chief Financial Credit Union. You are eligible if you meet the following guidelines:

Qualifying Loans:

  • Closed End Installment Loans
  • Note: Real Estate and ODA Loans do not qualify


  • Minimum Balance - $1000
  • Loan is open at least 6 months
  • No more than 30 days deliquent
  • No extensions in the past 12 months (rolling)
  • One Skip Payment per loan per year

To get started, please click here to download the Skip-A-Payment request form. Fill out the form, include a check for $30 (if funds aren't available in your account to cover the fee), and mail the form (and check, if applicable) to the address provided on the form. Then sit back and take a payment break from one or all of your consumer loans!

You also have two other options to send your form in:

*Qualifying loans only. Must be an eligible loan.


790 Joslyn Avenue
Pontiac, MI 48340
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1465 Brown Road
Orion, MI 48359
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200 Diversion St.
Rochester Hills, MI 48307
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4080 Schaefer
Dearborn, MI 48126
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900 Joslyn
Pontiac, MI 48340
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