FSCU Debit Card

This Debit card gives our members access to their money 24 hours-a- day, 7 days-a-week. Whether in Carlsbad, NM or Paris, France, your money will be available for your needs. Your card will work in any ATM that accepts VISA, PULSE, or CIRRUS for withdrawals up to $200 per day.

You may use this card at point of sale locations using your personal identification number (PIN) to solidify the transaction. Instant Issue Debit Cards are available at both locations, as well as the ability to choose your personal identification number (PIN). There is also NO monthly and NO annual fee associated with this card.

FSCU ATM locations

Main Location: 1105 West Pierce Street, Carlsbad, NM 88220
South Location: 2603 South Canal Street, Carlsbad, NM 88220
BES Supply Store:  502 Center Ave, Carlsbad, NM 88220

Monday – Friday 6:00 a.m. to 5:30 p.m.
Saturday: 7:00 a.m.- 12:00 p.m.

Card Valet


One of the best apps for your smartphone to have to help safeguard your debit card from fraud. You are able to protect your debit card with easy on/off controls, you decide where, when and how the debit card is used, control family spending, and interactive alerts. Plus many more controls that are right in the palm of your hand.



Secure, fast and convenient. This will enable members to access their statements for the current month, as well as previous months. It is faster than regular mail and more convenient because it is accessible anytime, anywhere, 24/7.

NOTIFICATION TO MEMBERSHIP: Effective January 2020, there will be a $5.00 service charge for paper statements. Please sign up for eStatements to avoid this charge. Contact us to set you up!

Home Banking

Want to be able to access all of your accounts 24 hours a day/7 days a week? Well, it’s easy to do with FSCU’s Home Banking. It allows you to conduct transactions from the comfort of your own home, or on the go!

With home banking you will be able to:

  • View statements online

  • Balance accounts

  • Transfer funds between accounts

  • Pay bills

  • Check balances 

Mobile Banking

Finances at your fingertips? FSCU can do that and Mobile Banking with FSCU is now easier than ever!  Mobile Banking gives you the tools to stay securely connected to your accounts, allowing you to manage your money anytime, anywhere.  If you are enrolled in online banking, you have access to your account information from any mobile device through our Mobile Banking app.

APP CODE: gomobile0047

With Mobile Banking you will be able to:

  • View account balances

  • Transfer funds between accounts

Check Free Bill Pay

FSCU makes managing your monthly bills easy and convenient so you can handle your finances all in one place! It saves time, keeps records organized, it’s secure, and it’s free. With Check Free Bill Pay, you control which bills are paid, the dollar amounts, and when the money should be deducted from your account.

Pop Money


Popmoney® gives you the ability to send, request, and receive money with just about anyone online or through your mobile device. Send and request money securely from your account to just about anyone with an email or mobile number. Money moves directly from account to account and it’s EASY! Popmoney® provides the ability to deliver funds, securely, quickly and hassle-free. Some limits may apply- call FSCU for details.

Remote Deposit Capture

It’s that easy! Secure and convenient, Remote Deposit Capture allows you to deposit your check just by taking a picture of it! Contact FSCU to see if you qualify for RDC!

Text Banking

No Smartphone? Don’t worry! Text Banking is a free service to FSCU members to make it easy to connect to your account and receive account and loan balance information via text messages. It is the fastest way to get your balances – anytime, anywhere. Not only is Text Banking fast and free, it is secure.

Other Services

Financial Security Credit Union offers many products and services to benefit our members.

ACH- automated clearing house (ACH)

The ACH transaction system deals with many types of payment services such as consumer bills, payroll, direct deposit, tax refunds, when financial institutions transact money between financial institutions, and tax payments. For example: when employers pay wages through direct deposit or consumers pay bills electronically out of their accounts that is considered an ACH transaction.

Direct Deposit

Direct Deposit is the electronic transfer of a payment directly from the payer to the recipient. No action is required on your part to receive the funds. If you are out of town or too busy to make it to your financial institution your account will be credited and your funds are available immediately.

Night Drop & Deposit

FSCU provides Night Drop & Deposit at both locations if you are needing to make a deposit after normal hours at FSCU. We collect and credit to the account the next business day.

Notary Service

Notary services are offered at both locations and are FREE to our members.

Wire Transfer

Wire Transfers are another way to electronically move money from one financial institution to another, and FSCU does not do international wires.