Benefits

ATM Cards ATM Cards

Use your FSFCU ATM card to put money in your pocket! Because we are part of the CO-OP℠ Network, you can withdraw cash from thousands of locations across the country.

Need help finding one of our ATMs? Take a look at our ATM Map to find the closest one to you.

For more convenience, why not try out…

Debit Cards Debit Cards

Leave your checkbook at home and put a FSFCU Debit Card in your wallet. Make purchases anywhere VISA® is accepted. Debit Cards are connected directly to your Checking Account so the money you spend will be withdrawn automatically.

Don't forget that your Debit Card is also your ATM Card. Withdraw cash from thousands of locations across the country using ATMs that are part of the CO-OP℠ Network.

If you want even more convenience, leave your Debit Card in your wallet and pay with your phone using our Mobile Payment services.

Plus, whether you are an ATM or Debit Card holder, you can receive ATM fee refunds just for having one of our premium Checking Accounts. Call or come by to get your card today!

Text Fraud Alerts Text Fraud Alerts

Our debit and credit cards are monitored by a Fraud Detection Center to help prevent your card from being used maliciously. If unexpected or fraudulent transactions are detected, you will receive a text message from our FREE Text Fraud Alerts service. If you do not have a cell phone number on file, you will be contacted by the Fraud Detection Center. The number they call from is 800-262-2024. Please listen and follow their instructions. If you have any questions or need a new card issued, please contact us.

Important: Is your ATM or Debit Card lost or stolen? Please contact the following number: 800-472-3272 / Opt.2

Do you need to dispute a transaction on your card? Submit a Card Dispute Form online.

Tip: Need a card now? We offer instant issue ATM / Debit Cards. Walk in to any of our branch locations and we can make you a card on the spot in a matter of minutes.

Co-Op Shared Branching Logo

Co-Op Shared Branching

CO-OP Shared Branch is a collection of credit unions across the United States that allow one another to “share” their branches. As a member of FSFCU, you can visit and conduct your financial business at other credit unions and self-service kiosks in the Shared Branch Network world wide.

Co-Op ATMs

CO-OP ATM Network allows you to use your FSFCU ATM or Debit Card to withdraw cash from thousands of locations worldwide with little or no fees. Find a CO-OP ATM near you.


Becoming a part of GenGold® means you can receive countless privileges and entitles you to extensive discounts. As a member, you and your family will be able to get more and do more, for less! Speak with a representative to sign up!

Savings includes:Savings include:

  • Travel, Lodging & Rentals
  • Identity Theft Restoration Rescue®*
  • Health Services for you AND your pet
  • Theme Parks, Ski Resorts, Major Attractions & Sports Events
  • Dining & Entertainment
  • Retail Stores and much more!

FSFCU provides the following additional benefits through GenGold:

  • Overdraft Privilege℠ up to $500.00**
  • Fee waived for 1 VISA® gift card per month
  • 3 free counter checks per month
  • 5 free foreign ATM transactions per month (FSFCU fees only)
Visit GenGold’s website to get full details on all the products and services they offer.

*Requires activation. Coverage begins 10 business days from the date of activation.
**Certain qualifications and restrictions apply. There is a fee per overdraft occurrence, as set forth in our Fee Schedule.

Tip: Want more rewards? Open a Debit Plus Checking Account to start getting cash back on your purchases or add uChoose Rewards to your FSFCU VISA® Credit Card to earn points towards travel, merchandise and more!


Direct Deposit Direct Deposit

Direct Deposit may be set up on any account. Have your paychecks, retirement checks or any other form of income automatically deposited as soon as it is available. You will need to provide the company your FSFCU account number and routing number: 303184856.

Counter Checks Official FSFCU Check

Official FSFCU checks are available at any of our locations for a nominal fee. If you are a GenGold® account holder, you receive 5 free offical checks per month!

Money Orders Money Orders

Money Orders can be purchased at any location for a nominal fee. Money orders are available for amounts up to $999.99.

Notary Public Service Notary Public Service

Notary Public services are provided to all account holders, free of charge! Visit any of our locations to inquire about notary services.

Wire Transfer Instructions Wire Transfer Instructions

Wire Transfer services are available for incoming and outgoing wires. Fees apply to outgoing domestic and international wires. Please see our Fee Schedule for fee details. Transfer money easier and faster using our Secure Chat info tool when you sign in to Online Banking.

Certain information is needed to initiate and finalize wire transfers. Below are examples of the type of information that may need to be provided:
  • Incoming Wires (transfers coming into your FSFCU account)
    • Fort Sill Federal Credit Union
    • Fort Sill, OK
    • FSFCU Routing Number: 303184856
  • Outgoing Wires (transfers to another financial institution)
    • Financial Institution Name
    • Financial Institution Routing Number
    • Recipient’s Name
    • Recipient’s Address
    • Recipient’s Account Number
    • SWIFT Code of receiving financial institution

Western Union Western Union

Western Union are provided via Western Union Quick Cash money transfer system. There is a fee for domestic western union, as set forth in our Fee Schedule. Some U.S, States have restrictions on the amounts that can be sent.
  • Just call us and give your name, the amount needed, and the city and state
  • Your funds will then be entered into the Western Union Cash System
  • Your money is usually available within a few hours after your request
With a valid photo identification card and control number, you can pick up your Commercial Money Order at any Western Union office or agency. For the nearest Western Union office to you, call 1-800-325-6000.