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Visa Debit Card

Visa® Debit Card

Debit CardA Visa® debit card allows you to make purchases with the money available in your checking account. Each time you sign for a purchase made with your ACU debit card, you'll earn rewards points that can be redeemed for merchant gift cards, airline tickets, merchandise, etc. See what you can earn and track your points here.

Your debit card also enables you to access your account 24 hours a day from any ATM. Use our ATM locator to find those near you that you can use at no charge whatsoever.

We offer instant-issue debit cards, so that when you visit any of our branches to open a checking account and apply for a debit card, you will leave with a new debit card in your hands rather than having to wait 7-10 days for one to arrive in the mail. By getting your debit card on the spot from us, it also lets you choose whatever four digits you want to use for your PIN!

As an option, you can apply for a debit card online. 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.

When you use your debit card, you don't have to worry about carrying over balances or accruing finance charges as with a credit card. 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.

Know that you are protected by Visa's Zero Liability policy if your debit card is used fraudulently and you report such activity in a timely manner.

PIN-based debit card transactions incur a 25-cent fee, while signature-based purchases (press "credit" and sign instead of entering a PIN) are 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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