24/7 access pass to your money. An LOC 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. *There is a $10.00 annual fee for VISA 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.