Use it in stores, to shop online or get cash at ATMs everywhere.

It's the perfect pay-as-you-go solution.

With every debit card purchase, money is deducted directly from your Ventura County Credit Union checking account, so you won’t have to worry about paying a bill later.

Plus you can review your purchases online anytime, making it easy track your transactions and stay on budget.

Notice: Due to a worldwide chip shortage, our instant issue debit card stock is limited.

We will no longer be able to instant issue debit cards in branch. Unless there is an urgent need, debit cards will be issued by mail. We apologize for the inconvenience and are working with our vendors to find a replacement chip as soon as possible.


In addition to using it to make direct purchases, your debit card doubles as your ATM card.

  • Withdraw up to $1,000 per day
  • Use VCCU and partner ATMs located throughout Ventura County and Santa Barbara County free of charge
  • Use any of the surcharge-free 30,000 ATMs in our nationwide CO-OP ATM Network

Other Important Card Information

  • To activate your debit card, log in to VCCU Online or Mobile Banking and select Activate Card or call 888.691.8661. Be sure to have your account number ready.
  • If you want to change your PIN, please call 888.891.2435. You will need to:
    1. Call from the phone number we have on file for you
    2. Enter your Social Security Number when prompted
    3. Enter your birthday in mm/yy (month month year year) format. (For example, February 17, 1980 would be 0280)
  • To report a lost or stolen VCCU Debit/ATM card, call 805.477.4000
  • If you receive a Fraud Alert via text from short code 215-56, follow the instructions on screen or give us a call at 805.477.4000.

VCCU is a full-service, California credit union with branches in Ventura, Port Hueneme, Oxnard, RiverPark, Camarillo, Thousand Oaks, Simi Valley and Moorpark. If you live, work or attend school in Ventura or Santa Barbara Counties, you are eligible to join



I became a member right as I turned 18 years old. It was a family tradition to open up an account at VCCU and one tradition I am happy to pass down.

Jasmine R., Oxnard