ATM Card

The convenience of 24 hour access

Horizons FCU offers its members Automatic Teller Machine (ATM) Cards that can be used for withdrawing cash and transferring funds between savings and checking accounts (if available at the ATM machine). Members are allowed a limited number of withdrawals per day per account, with a limited number of dollar amounts per day per account. For security purposes, we do not disclose those amounts here. Please contact the credit union when you need this information.

To report lost or stolen ATM cards, immediately call Horizons FCU at (607) 724-5876. Horizons is not responsible for fees charged by other institutions.

24-hour ATMs are available at our Binghamton (120 Main Street), Endwell (519 Hooper Rd), and Vestal (Campus Plaza) locations. The ATM at our Endwell office is a 24-hour drive-up ATM.

Horizons members also have access to over 30,000 surcharge-free ATM machines throughout the United States and Canada as part of the CO-OP Network. Click here to find a CO-OP branch or ATM near you!

8 Ways to Reduce ATM Fraud

  • Memorize your Personal Identification Number (PIN). Never write it on your ATM card or card envelope.
  • Don’t discuss your account balance with anyone. Never give information on your account or PIN over the phone.
  • Never allow anyone to use your card or PIN.
  • Don’t withdraw money for an “official person”. No credit union or bank representative, auditor, or law enforcement person will ever ask you to withdraw money from an ATM for any reason.
  • Keep your receipts and verify each transaction on your statement. If you have an unexplained transaction, contact your financial institution immediately.
  • Report lost or stolen cards or ATM crimes to your financial institution or police immediately.
  • Carefully read the Electronic Funds Transfer agreement and disclosure you receive from your financial institution. Know your liability for failing to notify your financial institution in a timely manner of a lost or stolen card.
  • Cancel your ATM transaction and return at a later time if you notice anything suspicious.

ATM Card Application

Print Application


(607) 724-5876

On October 1, 2021, our operating systems will begin to merge. You will not be able to access your Horizons accounts online at the close of business Thursday, September 30, 2021 while we complete the system merge. All branches, including the Binghamton Main Street Branch, will be closed Friday, October 1, 2021 and Saturday, October 2, 2021. Beginning Monday, October 4, 2021 you will be able to register to access your account online and/or at any current branch location, as well as the Johnson City branch located at 760 Harry L Drive in Johnson City. Once registered, you can enjoy all the online benefits of Empower Federal Credit Union membership.