ATM & Visa Debit Cards

There’s no need to carry a checkbook everywhere you go. Instead, all you need is a little piece of plastic, in the form of a Visa debit card.

Swipe for Purchases

This card works like a check when you use it to pay for purchases, with the money coming out of your checking account. However, there’s no need to get out a driver’s license or to write anything but your signature. Just swipe your card and go. You can use it to complete a credit or debit transaction at any store that accepts Visa, even for online shopping.

Verified by Visa

Verified by Visa protects your account from unauthorized online use. It requires you to enter a personal password of your choosing when you check out on a participating site. This helps ensure that even if a person has your card number he or she cannot make a purchase with it. Signing up is free and it only takes minutes. Get more information.

Get cash quick

You can also use your card at ATMs to check balances, withdraw money and make simple transfers. All you need is a personal identification number. If you don’t have a checking account, you can use one of our ATM cards to accomplish the same task, with funds coming out of your share savings instead.

Surcharge-Free ATMs

Hate paying ATM fees? We do too. That's why all drive-up ATMs at our offices are surcharge free.


And, that’s why we give you access to an extensive network of surcharge free ones through a partnership with Allpoint. Find a surcharge-free ATM now.

How to Avoid ATM fees

It’s all about planning ahead

$1.50 here. $2.50 there. ATM surcharges keep rising. Your financial institution and the institution that owns the ATM you’re using may charge you for the transaction. Does it seem like you’re wasting good money? Well, you are! We can help – we’ve compiled a list of easy ways to help you avoid ATM fees.
  1. If you have a VISA CheckCard, use it any place you can! Don’t spend your cash at restaurants, department stores and other places that take VISA. The money will come right out of your checking account.
  2. Budget your money throughout the month so you make fewer ATM withdrawals.
  3. Access surcharge-free ATMs.
  4. Use the cash back option at grocery stores, Wal-Mart, K-Mart, CVS and others.
  5. Avoid ATMs in hotels, casinos, restaurants, and similar locations. They usually have high surcharges.
  6. Consider using traveler’s checks, personal checks, and credit cards instead of ATMs when traveling.

Here’s another tip: Use TOPS, our 24-hour audio response system, for FREE balance inquiries. When you get your account balance at an ATM, it may cost you!

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