24/7 access pass to your money. An Visa ® debit card* provides you with 24/7 access to your LOC account to: Easily pay for purchases directly from your LOC checking account anywhere the Visa logo is displayed worldwide Get cash back at participating merchants with your purchase Make deposits and withdrawals at an LOC ATM Up to four free ATM withdrawals within the CO-OP Network each month, and unlimited transactions at LOC ATMs Avoid paying surcharges at more than 28,000 ATMs via the CO-OP Network*. 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. Use Visa Purchase Alerts to help monitor your account against fraud *There is a $10.00 annual fee for VIisa Debit Card with ATM access. This includes four free withdrawals and unlimited deposts at CO-OP ATMs per month, and unlimited transactions at LOC ATMs.