MTEFCU is now Breakwater Federal Credit Union

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Card Assistance

Manage your BFCU cards with our mobile app!
  • Download our app from the App Store or Play Store and enroll if you are not already
  • Access “Card Controls” from the menu on our mobile app
  • Turn your credit union debit and credit cards on and off to help protect against fraud
  • Schedule travel dates and location so your card works while you travel
  • Mark your card as lost and reorder a new card (for ATM/debit cards, we highly recommend coming in to receive an instant-issue card if you are in the area)
  • Request a replacement card (again, for ATM/debit cards, we recommend coming in for an instant-issue card)
    Change your mailing address
VISA Credit Card Assistance
  • Report a lost or stolen card by calling 888-297-3416
  • Report travel plans: If you have our app, please update your travel notice under “Card Controls”.  Otherwise, please text or call us at 906-482-5005 to let use know where you will be traveling so your card will not be flagged for fraud while you travel. Be sure to include any states/countries that you plan to drive through or have a layover in, in case you need to use your card at gas stations, restaurants, or airports!
ATM/Debit Card Assistance
  • Report a lost or stolen card by calling 1-833-337-6075
  • Replace a worn-out card: Come in to our branch to have your new card issued instantly rather than waiting for it to be mailed to you.
  • Report travel plans: If you have our app, please update your travel notice under “Card Controls”.  Otherwise, please  text or call us at 906-482-5005 to let use know where you will be traveling so your card will not be flagged for fraud while you travel. Be sure to include any states/countries that you plan to drive through or have a layover in, in case you need to use your card at gas stations, restaurants, or airports!

Looking for an ATM? Click here to find a local ATM or visit www.moneypass.com if you’ll be out of the area.

Have a question?

Call or Text: 906.482.5005
Email: info@breakwaterfcu.org
Visit: 700 E Sharon Ave., Houghton, MI 49931

Closure notice

We will be closed Thursday, July 4 in observance of Independence Day and apologize for any inconvenience to our members.

Remember, you can perform most of your banking business via our mobile app or the two 24/7 deposit ATMs in our drive-thru!