An HRCU MasterCard/ATM Debit Card is a convenient, quick and easy way to access your share draft checking account without having to write a check. You can use it to make purchases from your share draft checking or obtain cash at an ATM from your share draft checking or share savings.


HRCU offers the following features with a MasterCard ATM/Debit Card:

  • More convenient to carry than a checkbook.
  • Accepted anywhere MasterCard is accepted.
  • FREE ATM/Debit MasterCard, if qualify.
  • Access to cash day or night at ATM locations worldwide.
  • Six (6) FREE withdrawals per month at ATM’s that are not owned or operated by HRCU; however other financial institution’s fees may apply.
  • Please refer to the credit union’s Fee Schedule for ATM withdrawal fees that exceed six (6) per month at ATM’s that are no owned or operated by HRCU.
  • Surcharge FREE ATM’s are anywhere you see CU$.

If your card is lost or stolen please call the credit union at 570.622.3399 or 570.366.8800 during normal business hours, if it is not normal business hours please contact 800.754.4128 or you can also capture your ATM/Debit MasterCard through HRCU’s Out-Reach 24/7 Online Account Access under Settings. If you do not have access to HRCU’s Out-Reach 24/7 Online Account Access, call a branch location today to get set up!

Surcharge-Free ATMs

Anywhere you see CU$ ATM’s.

Your Hidden River Credit Union Debit Card is also considered surcharge free at any ATM within the CO-OP Financial ATM Network; however you may be charged a fee by HRCU if you exceed six (6) ATM withdrawals in one month at ATMs that are not owned or operated by HRCU. To search for an ATM near you, or near a future destination, follow the link below to access the CO-OP Financial ATM Locator!

Send a text with your current location-address (including city, state), zip code or intersection-to 692667 (MYCOOP). Within a minute, the service will send you a reply with the nearest CO-OP Network surcharge-free ATM to that location. Need additional locations? Text “more” and the service will send the next nearest ATM locations. This a FREE service, only standard text messaging rates as set by your mobile carrier apply. If you have any iPhone, you can download the free app by visiting the App Store. Just search for “CO-OP ATM Locator” and begin to download.