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ATM & VISA Check Card

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.

Some Important Features of an LOC ATM or VISA Check Card*

  • Quicker checkout: swipe, sign or enter your PIN, and go.
  • Don't worry about having enough cash on hand or carrying a checkbook.
  • Make VISA Check Card purchases worldwide, anywhere the VISA symbol is displayed. 
  • Your monthly statement provides a detailed record of your transactions to simplify record-keeping.
  • If you have trouble qualifying for credit, use your VISA Check Card to make purchases requiring a credit card number.
  • Use your VISA Check Card to pay your monthly bills or set up recurring payments. No worry about buying stamps or remembering to pay on time.
  • Verified by Visa is a free program that uses a private password to bring you added security against unauthorized use of your card when you shop by phone or online.
  • Using your VISA Check Card allows you to return merchandise to the store and receive credit within a day or two (if you pay with a check you have to wait a longer period).
  • Most merchants ask whether the purchase is to be a debit or credit. Either way the transaction is deducted from your checking account. If you say "debit," the transaction is processed through the ATM network and you us a PIN. If you say "credit," your purchase is processed through the VISA network and you will sign the receipt instead of giving a PIN. When you sign for purchases, you benefit from VISA's security protections that help prevent, detect and resolve fraud.
  • View the EFT Agreement Disclosure for more information
  • Click here to download an ATM or Visa Check Card application. Complete, sign, mail or bring it in to an LOC office. A satisfactory credit report is required for card approval.

What You Need to Know about Overdraft and Overdraft Fees

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.


Lost or Stolen ATM or VISA Check Card Instructions

  • 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).


To report your VISA Platinum Credit Card lost or stolen, or to obtain account information, call 1-866-604-0381.


*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.

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