QOCU’s Visa Debit Card and ATM Card is one card that functions as both a debit card or ATM card depending on how you request it be set up.
Visa Debit Card Features
- NO ANNUAL FEE.
- Linked to your Savings & Share Draft Checking Account.
- Conduct point-of-sale transactions only from your Share Draft Checking account.
- Receive 6 FREE PIN-generated transactions each month and only pay $0.50 plus tax for each additional transaction.
- ATM Withdrawal or PIN-based transactions up to $300 per 24-hour period.
- Real-time “swipe and sign” transactions enable you to access the full balance of your account when used as a point-of-sale credit transaction. (Currently, limited to $500 per day.)
- Your Debit Card also has a CREDIT option. You may use your debit card anywhere Visa is accepted. Simply swipe your card and sign the receipt when using your card as a “credit.” The funds will be automatically and immediately withheld from the available amount in your checking account until the transaction processes, usually 1-3 days from the purchase date.
- NEW Debit Cards as of April 1, 2025, will have a TAP TO PAY convenience option. You may use your debit card at any retailer that offers contactless purchases. Simply hold your card near the contactless symbol on the terminal for a clean, easy and fast way to pay.
BLOCKED STATES: Due to increased fraud, we’ve blocked transactions from Arizona, California, and New York. Please contact us if you’ll be traveling to or want to make purchases in any of these states using your card.
ATM Card Features
- NO ANNUAL FEE.
- Linked to your Savings & Share Draft Checking Account.
- Receive 6 FREE PIN-generated transactions each month and only pay $0.50 plus tax for each additional transaction.
- ATM Withdrawal or PIN-based transactions up to $300 per 24-hour period.
- Make a deposit using an ATM. (Only available in IA
Look for the Shazam, Cirrus, or Privileged Status symbols on the ATM to use your Visa Debit Card or ATM Card with no surcharge fees across the United States.
HOLDS
Q: Are holds placed on Shared Branch Deposits?
A: Checks deposited at a Shared Branch location will have a 5-business-day hold. Cash deposited at a Shared Branch location will NOT have a hold.
Q: Are holds placed on ATM deposits?
A: Checks and cash have a 3 business day hold.
VERIFY TRANSACTION
To verify Debit/Credit Card transactions, please call Shazam Fraud Monitoring 1-866-508-2693.
LOST OR STOLEN CARD
If your ATM Card or Visa Debit Card is stolen or compromised, please call us immediately at 1-319-395-7060. We’ll help you get a new card and PIN. If it’s after hours, call 1-800-383-8000. In the case of theft, be sure to alert the local authorities.
REPLACEMENT CARD / PIN
If you need to replace your ATM Card, Visa Debit Card, or PIN there is a $10 replacement fee, per card, and a $5 PIN replacement fee.
For $5, you can even PICK YOUR PIN.
