Travel Tip

It is important to let us know when you are traveling and plan to use your VISA ATM/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 (automated) or 800.262.2024 (live person). 

Home > Save > Checking > VISA Check/ATM Card

VISA Check/ATM Card

Use your LOC VISA/ATM check card* to:

  • Pay for purchases from your checking account worldwide, anywhere the VISA logo is displayed. Simply swipe, sign or enter your PIN, and go.
  • Avoid extra fees by getting cash back at participating merchants when you use your check card and debit option with PIN
  • Make deposits or withdrawals at our ATMs or at one of more than 28,000 nationwide ATMs via the CO-OP Network*

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 Card?

VISA Zero Liability Policy provides you with maximum protection against unauthorized use of your card if lost or stolen or if the card number is compromised.  

  • It is very important that you report your VISA Check/ATM Card lost or stolen as soon as you are aware of fraudulent transactions or that the card is out of your possession.

  • Call 888-241-2510 within the U.S.  and 909-941-1398 for collect calls outside the U.S. to report your card lost or stolen. 

  • The ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURE details your rights and responsibilities.

To report your VISA Platinum Credit Card lost or stolen, or to obtain account information, call 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.

National Credit Union AdministrationEqual Housing Lender
Federally Insured by NCUA