ATM / Visa Check Card

Enjoy more surcharge-free ATMs than most banks offer, with access to over 30,000 surcharge-free ATMs on the CO-OP Nationwide Network!

With a Free Visa check card, you'll be able to use your card anywhere VISA is accepted and have access to any PLUS ATM worldwide. Your card will be linked to your main savings and checking accounts and, with a monthly direct deposit of $500 or more, you'll be able to enjoy eight (8) free ATM transactions per month (machine surcharges may apply at ATMs not on the CO-OP Network.) You can also use your Visa Check Card as a debit card for point-of-sale (POS) transactions at merchants displaying the Interlink® logo. Plus, you can select cash back and easily avoid any ATM fees. For members not having a checking account, an ATM card gives easy access to Savings accounts.

Eight (8) free monthly transactions at Plus® and STAR® ATMs
with Direct Deposit of $500+ (ATM surcharges may apply)

Cash back with POS purchases at retailers
(easy way to avoid any ATM fees)

  • Protecting your credit, debit, and ATM cards
  • If you plan to use your cards for on-line purchases, verify that the website uses a secure encryption system. An encryption system ensures that your information cannot be obtained by an outside person. Most internet browsers will indicate or even warn you when a website is not using a secure connection with a padlock icon somewhere on the address bar. A few web browsers also use red warning messages to let you know that you are entering information on a site that is not secure.
  • It is best to keep a list of your credit, debit and ATM card numbers and their corresponding emergency telephone numbers in a safe place such as a lock box or a safe deposit box. This will be helpful if you should ever need to report a lost or stolen card. When not carrying your cards with you be sure to keep them in a designated secure location.
  • Be mindful when using your cards for purchases at local vendors that your card is not in direct view of another customer's phone. Camera phones may easily capture your card number and expiration date without your knowledge.
  • Keep all documents containing your account information in a secure location. Be sure to use a paper shredder when it is time discard such documents.

World Wide Acceptance

Protected by Visa's Zero Liability policy

24 hour fraud monitoring

Access to 30,000 surcharge-free CO-OP Network ATMs nationwide

Travel Tips

When traveling out of state or overseas, notify us in advance of the destinations and dates you'll be traveling to prevent possible interruption of ATM or debit card access. Include hotel phone numbers and alternate contact numbers that can be used to locate you if necessary. Make a record of your Visa Debit card account and compile a list of important numbers for reporting lost or stolen cards and keep it in a safe place away from your wallet or handbag. Be sure to include our Member Service Center and our after hours card member security numbers.

"At the Pump" Fuel Authorizations

When you purchase gas "at the pump" using your Visa Check card and select "credit" as your payment option, any amount from $1.00 to $100 will be authorized and held against your account balance until the gas station settles the actual charge for the amount pumped. To avoid an authorization perhaps larger than your purchase, you may select the "debit" payment option at the pump and enter your PIN or pay for your fuel inside the gas station with the cashier. Once your gas transaction is complete, the exact amount of your purchase will be held in authorization.