Surcharge-free ATM Locations

Stay connected to your finances at all times! Discover a surcharge-free ATM within our extensive network.
Because we are part of both MoneyPass ATM Network and Allpoint ATM Network, you can withdraw cash from several locations across the country.

ACT 1st FCU ATMs

National Highway Branch:
14316 National Hwy. SW LaVale, MD 21502

Messick Road Branch:
11905 Messick Rd. Cumberland, MD 21502

Allegany College of MD:
12401 Willowbrook Rd. SE Cumberland, MD 21502

Romney Branch:
555 W. Main St. Romney, WV 26757

Credit Unions belonging to the Western Maryland ATM Connection:

Debit Cards

Leave your checkbook behind, instead opt for an ACT 1st FCU Debit Card to carry in your wallet. This card allows you to make purchases wherever Mastercard® is accepted. Debit Cards are directly linked to your Checking Account, so any money you spend will be automatically deducted.

Remember, your Debit Card also functions as an ATM Card. You can withdraw cash from numerous locations nationwide by using ATMs that are part of the MoneyPass ATM Network and the Allpoint ATM Network.

For added convenience, you can even keep your Debit Card safely tucked away in your wallet and make payments with your phone through our Mobile Wallet services.

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. The number they text from is 33072. For email messages, the address is noreply@enfactnotification.com. Please listen and follow their instructions. If you have any questions or need a new card issued, please contact us.

All ACT 1st FCU offices will close at 1pm on Tuesday December 24th. We will remain closed Wednesday 12/25 and Thursday 12/26. Normal hours resume on Friday, 12/27. Merry Christmas from all of us at ACT 1st FCU!