AccessPoint: Secure Online Banking
  • Available on the AppStore
  • Available on the Android Market
  • Blog
Visa Debit Card

Visa® Debit Card    

A Visa debit card allows you to make purchases with the money available in your checking account. A standard product at any financial institution - read how Arsenal puts your debit card to work for you.

Lost Your Debit Card?

If you lose your card or believe it has been stolen, call us at 314.962.6363 or 618.239.6363 during normal business hours (8 a.m. – 6 p.m. Monday-Friday, 8 a.m. – 2 p.m. on Saturday) or 888.918.7744 before/after business hours.

Instant Issue

When you visit a branch to open a checking account and apply for a debit card, we can issue one to you right there. No more waiting a week or more for your card to arrive in the mail. By getting your debit card at the branch, you also get to choose whatever four digits you want to use for your PIN!

Mobile Payments

Our cards are compatible with mobile payments on select smartphones, which means you don't even have to pull out your Arsenal card when paying for purchases at the checkout terminal.

Access to Your Funds

Your debit card 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. 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.

Check out this infographic that compares available CO-OP Network ATMs in the United States to those offered by some of the biggest banks.

Rewards Points

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.

Layers of Security

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. Verified by Visa goes a step further than Visa’s comprehensive fraud protection, adding an extra layer of security when you enter credit card information online. We strongly encourage you to activate this protection now if you haven’t already done so; it’s easy, quick and free!

Whenever you travel, let us know in advance so we can prevent your debit card transactions from being declined while you are out of town due to unusual behavior and the appearance of your card being fraudulently used by others. Fill out an online travel notification by signing into your online banking account, clicking on the Secure Forms tab, and then clicking on the Travel Notification for Debit and Credit Cards option. Fill out the form, and you will have complete access to your card while away. You can also call to let us know you're leaving at 314.962.6363 or 618.239.6363, option 6 then option 1.

Debit cards are vital for making everyday purchases. If your card becomes stolen or compromised, you need to know right away. Set up alerts for your debit card to receive text or email notifications when there is specific activity, such as use for gas purchases, international purchases, purchases over a certain dollar amount, when there are transactions taking place out of designated times and much more. 

Apply for a Debit Card Today!

Need a debit card? Apply for one the next time you sign into your online banking account. Don't have online banking. Click here to print a debit card application.  


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.

Electronic Services Agreement and Disclosure


Resource Center

Select from the menu below for quick service.