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Payment Solutions

For more information about any of CUcorp’s Payment Solutions, contact your Business Consultant at 800-262-6285, ext. 534 or contact us online.
ATM Program - CO-OP Financial Services
Established in 1981 and located in Ontario, California, CO-OP Financial Services is wholly-owned by its credit union shareholders and provides volume discounts on products and services that include ATM network access, ATM processing, debit card services and shared branching. With nearly 2,000 credit union members, more than 25,000 surcharge-free ATMs (including 6,000 deposit-taking), 100 million-plus monthly transactions and 24 million cardholders, CO-OP Financial Services is the No. 1 credit union EFT network and processor in the U.S. financial services industry. CO-OP Financial Services' membership has access to over 800,000 ATMs worldwide through links to NYCE, STAR, Cirrus, Pulse and Plus.
Debit Card Programs (VISA/MasterCard)
CUcorp® offers a variety of debit card programs to ensure a perfect fit for your credit union and members. A debit card program allows your credit union to provide members with an efficient alternative to writing share drafts or using cash. Credit unions increase revenue by receiving interchange income and strengthen existing relationships.  

Debit Business Card
Debit Business Cards are designed specifically to meet the needs of small business owners.  A Debit Business Card is an ATM card with the Visa or MasterCard logo that can be used for everyday business purchases.  The card is accepted at millions of merchants worldwide.  The card reduces the need for checks or cash.  The funds are automatically deducted from your business checking account.  Reporting allows business owners to keep track of purchases for accounting, eliminating the need to maintain multiple purchasing invoices.
Money Orders
Money orders are accepted virtually everywhere because they constitute collected funds and will not bounce. Through CUNA, we have partnered with Travelers Express, the largest vendor in the world. 

Overdraft Privilege
In conjunction with our business partner, John M. Floyd & Associates, CUcorp® is pleased to offer you the overdraft privilege program. An overdraft privilege program (ODP) is a structured way for your credit union to allow your members to overdraw their share draft accounts subject to pre-established limits. It benefits your members by sparing them the embarrassment of dealing with a bounced check to the credit union by generating more transactions, using more of the financial institution's capacity and boosting its non-interest income.  Click here for more information about Overdraft Privilege.

To learn more about the regulatory changes to overdraft programs, click here.

Share Draft Printing
CUcorp's® business partner, Harland, is the second largest check printer in the country and is CUNA's chosen business partner for check printing. In addition to printing checks, Harland provides numerous support services for credit unions, including: on-site check printing, target marketing, and direct marketing programs.

Stored Value Cards
Offer your members increased convenience and choice, and generate income for the credit union at the same time. CUcorp offers a variety of stored value options so your credit union can establish a Stored Value program tailored specifically to the credit union and members. Stored Value program options include: Gift Card, Payroll Card and Funds Transfer Card.

Travelers Cheques
Through CUNA Strategic Services and Travelex, CUcorp® offers the Visa® Travelers Cheques program. The program includes two options:  Travel  Money Card - Prepaid VISA Debit cards, and online ordering and overnight delivery of foreign currency.

CO-OP Shared Branching
CO-OP Shared Branching is a division of CO-OP Financial Services. This nationwide system of more than 3,800 branch locations and 25,000 ATMs, and is the epitome of credit union cooperation, allowing members of one credit union to conduct transactions at another credit union’s facility.