Visa^® Debit Card

A 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:

• 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, 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.

Helpful Resources

• Be aware of ATM skimming.
• Current Arsenal Visa debit card holders: If you lost your card or believe it has been stolen, call us at 314.962.6363 during normal business hours (8-6 Monday-Friday, 8-noon on Saturday), or 888.918.7744 before/after business hours.
• Protect your debit card online for free with Verified by Visa. Even if you don't shop online, someone else can if they get a hold of your card number.
• Get the facts and understand the benefits of debit cards to better track your daily finances, plus stay on top of the latest safety measures developed to ensure the security of your card.
• Should you sign the back of your card?
• Learn the features and benefits of owning a debit card, plus how to use your card responsibly and what to do if your card is lost or stolen

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.

Disclosure

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.