Accounts with a savings only receive a regular ATM Card to make ATM cash withdrawals. Accounts with a checking account receive a VISA Check Card. Purchases are deducted from your LOC checking account. ATM Cash withdrawals may be made from savings or checking.
Federal regulations require that you must authorize LOC Federal Credit Union to pay overdrafts on your every day debit card and LOC Bill Pay transactions. If you do not Opt-In to authorize us to pay overdrafts for these types of transactions, they will be declined when sufficient funds are not available in your account. Download and print an opt-in form to sign and return to LOC.
It is very important that you report your ATM or VISA Check Card lost or stolen as soon as you are aware of fraudulent transactions or that the card is out of your possession.
No matter which LOC card you have – the burgundy and silver ATM card or the VISA Check Card with the VISA logo and an American Flag and Eagle – the number to call to report it lost or stolen is the same: 1-888-241-2510 Toll-Free within the U.S., and 1-909-941-1398 for collect calls outside the U.S.
The ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURE details your rights and responsibilities.
It is important to let us know when you are traveling and plan to use your ATM or VISA Check Card. Out of the ordinary transactions may trigger a fraud alert and your card may be disabled until we can reach you. If you miss a phone call from Falcon ATM fraud detection, you will receive a fraud detection code and the following phone numbers to return the call: 866-750-9107 (machine) or 800-262-2024 (person).
*There is a $10.00 annual fee for an ATM or VISA Check Card with ATM access. This includes four free withdrawals per month and unlimited deposits. Use your ATM or Visa Check Card to make unlimited deposits, withdrawals and inquiries at ATMs at any LOC office. When using other ATM machines, each additional withdrawal over four is subject to a $1.50 transaction fee and all inquiries are $2.00. Avoid bank withdrawal fees by using one of the 28,000 surcharge-free ATMs through the CO-OP Network.