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Visa Debit Card

Visa® Debit Card

Debit CardA Visa® debit card allows you to access your account 24 hours a day from any ATM and make purchases with the money available in your checking account. Use our ATM locator to find CO-OP Network Surcharge-Free ATMs near you that you can use at no charge whatsoever.

Get your card at any of our branches while you wait with our new instant-issue debit card program!

Additional debit card benefits:

CU Rewards
  • Get rewards! Each time you sign for a purchase made with your ACU debit card, you'll earn points which can be redeemed for travel, electronics, entertainment, merchant gift cards and more. See what you can earn and track your points here.
  • Avoid writing a check at the store and waiting for check approval.
  • Use merchant receipts to record transactions in your check register.
  • Confirm transactions on your monthly checking account statement. When you select "credit" at the point of sale, the merchant name will show on your statement (instead of just the street address).
  • Don't worry about carrying over balances or accruing finance charges as with a credit card.
  • Know that you are protected by Visa's Zero Liability policy if the card is used fraudulently.

While a debit card can replace cash and checks when shopping and traveling, a credit card would be a better choice for big-ticket items that you can break down into monthly payments.

Click here to print a debit card application. If you are a home banking user, you can also apply online with our secure applications inside AccessPoint Secure Online Banking.


Debit card transactions for which you enter a PIN incur a 25-cent fee. Signature-based purchases, for which you press "credit" and sign instead of entering a PIN, are still free. Read our FAQs here.


Helpful Resources


When using your debit card at an ATM, look for any of these network labels on the ATM, where your card is sure to work. Remember, transactions won't cost you anything when you use your card at an ATM that has a CO-OP Network Surcharge-Free logo displayed.

Co-Op  Pulse  Star

Verified by Visa



Your Visa debit card allows you to conduct transactions on the CO-OP, PULSE, STAR and PLUS networks. Some merchants are authorized to accept non-Visa debit transactions without requiring you to enter your PIN. If you choose to sign to authorize a debit transaction, the transaction will be routed as a Visa transaction. Provisions of your cardholder agreement that specifically relate to Visa transactions are inapplicable to non-Visa transactions. For instance, a non-Visa debit transaction will not provide Visa's Zero Liability Protection benefit.


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