It looks like a credit card, but it works like a check. Your Debit/ATM card automatically deducts purchases from your VCCU checking account. Your Debit/ATM card with the Visa logo is accepted at more than 28 million locations worldwide. No credit is advanced, so there are never any interest charges... and you'll avoid the hassle of writing checks.

It's also your ATM card, letting you access your account 24 hours a day. It is the perfect partner for your checking account! Call our friendly member service staff or stop by one of our offices to add this convenience to your wallet.

To report a lost or stolen VCCU Debit/ATM card, call 800/ 234-5354.


What could be more convenient than an ATM? VCCU's network of ATMs makes it easier and more convenient than ever to access your money. Click for a complete list of local VCCU ATM locations.

In addition to these local ATMs, you can use any other ATM on the Plus, Star, CO-OP, Cirrus and/or American Express networks. There is no VCCU fee for the first five transactions per month. A fee of only $1.50 will be charged for each transaction in excess of five per month. Follow the link for a complete schedule of fees.

Make deposits at most VCCU, Pacific Oaks, CBC Federal Credit Union and many CO-OP Network ATMs. Click the link for more than 30,000 nationwide ATM locations. You can withdraw up to $500 per business day from your checking or savings account. Some ATMs also allow you to transfer funds within your accounts.

Swipe & Sign

When you've got the choice, choose "credit". Let's say you've pulled out your VCCU Debit/ATM card, and the cashier asks "Will this be credit or debit?" Unless you're getting cash back, choose credit and sign for the purchase. Credit transactions offer you additional purchasing protection and safeguards your PIN from wandering eyes. Choosing to swipe and sign is the easy and safe way to make purchases.