CGR Credit Union Debit Card

A CGR Debit Card provides convenient access to your money when you need it. Each purchase made with the card will be deducted directly from your Share Draft Checking account. Tracking your monthly spending is easier than ever because each debit card purchase is listed on your monthly draft statement.

Debit Card Benefits

  • You can use any ATM terminal with the MoneyPass®, CO-OP®, and SUM® logos

  • There is no fee for unlimited use of the ATM terminals that your credit union owns

  • You can make six transactions per month with no CGR Credit Union transaction fee if you use your card at other financial institutions*. However, other financial institutions may impose surcharges for the use of their machines

  • Account access through Timely Teller, our 24-hour telephone response system, and E-Branch/Home Banking, our internet account access system

  • Link your debit card to your digital wallet

*Up to six free ATM transactions per month with NO backend fee ($1.00 per withdrawal thereafter).

Overdraft Protection

Life happens! CGR Credit Union understands that unexpected overdrafts occur from time to time. When you need it, overdraft protection can help.

Overdraft Coverage Options

CGR offers two options for overdraft protection. The choice is yours, which coverage you want.

Debit Card overdraft
Service Cost
Overdraft Protection Link to Savings Account $5 fee per transfer
Overdraft Protection ReturnGuard (Up to $300) $28 overdraft fee per item

The credit union's fee of $28 per item will be deducted from the Return Guard limit.

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined.

Call us at (478) 745-0494 or come by a branch today to learn more about these services.

Ready to sign up? To opt in or out of extended coverage with your debit card, please contact a member service representative.

Debit card comparison
Transactions Covered with Overdraft Privilege Standard Coverage (No action required) Extended Coverage (Your consent required)*
Checks X X
ACH – Automatic Debits X X
Recurring Debit Card Payments X X
Online Bill Pay Items X X
Online Banking Transfers X X
ATM Withdrawals X*
Everyday Debit Card Transactions X*

If you would like to select Extended Coverage for future transactions

You can discontinue the Overdraft Protection at any time by contacting us at (478) 745-0494.

The consumer must repay any overdraft on his or her account within 30 days.  If the account remains negative after 30 days, the account may be closed at the credit union's discretion. CGR Credit Union will cover overdrafts on eligible accounts at its discretion up to $329.95; any amount over the limit will not be covered by the credit union.

Prevent Debit Card Fraud

  • Check your monthly statements immediately. Make sure all payments are yours.

  • Periodically check your account balance and transactions, by utilizing online banking, by telephone, or by printing interim statements at the ATM.

  • Contact the credit union immediately if your card is lost, stolen or subject to fraudulent use.

  • Keep a record of card numbers, PINs, expiration dates and 1-800 numbers for financial institutions so you can contact the issuer easily in cases of theft.

  • Memorize your PIN number. Do not use your birth date, address, phone number or social security number. Never store your PIN with your card, and do not make it available to others.

  • Keep your receipts. You'll need them to check your statement. If they have your account number on them, tear up or shred receipts before throwing them away.

  • Mark through any blank spaces on debit slips, including the tip line at restaurants, so the total amount cannot be changed.

  • Know your limits. Many issuers limit daily purchases and withdrawals for your protection.

  • Do not use an ATM if it looks suspicious, it could be a skimming device.

  • Be wary of those trying to help you, especially when an ATM "eats" your card, they may be trying to steal your card number and PIN.

  • Do not give your PIN number to anyone over the phone, often thieves steal the cards and then call the victim for their PIN, sometimes claiming to be law enforcement or the issuing bank.

Need Assistance?

Visa® Debit/ATM Cards

Visa® Credit Cards

Payment Address

2040 Ingleside Avenue
Macon, GA 31204

Click here to view our ATM Locations