With an ATM or Debit Card from The LOCAL FCU you have access to your money no matter where you are 24/7. The funds come directly from your checking account and you pay no annual fee. You can withdraw funds, transfer funds, obtain balance information from your account and make point-of-sale (POS) transactions to purchase goods or services. By using a Select ATM machine you can eliminate any withdrawal fees. Please see the Electronic Funds Transfer Agreement and Disclosure for more details or contact the credit union.