ATM and Debit Access

With MERCO's Visa Debit Card, you can access your checking or savings account from any ATM for balance inquiries, transfers or withdrawals. You can use your Visa Debit card anywhere Visa is accepted.

  • ATM withdrawals are limited to your available balance, up to a maximum of $500 per day.
  • There is no monthly fee or transaction fee for ATM transactions at MERCO or most other credit union ATMs. Bank of West Logo
  • You will receive 5 fee-free transactions per month at any other ATM location (Unlimited for Summit Accounts) 
  • MERCO members can make deposits and withdrawals at all Bank of the West ATMs. These ATMs are located throughout 19 western states and over 700 locations. These are available to you FEE-FREE! For Bank of the West ATM locations, click here.

    You can also make deposits at any ATM displaying the "DEPOSIT HERE!" signage, including MSEFCU ATMs throughout Merced County.

    Report Lost or Stolen Debit Cards Immediately: (800) 472-3272