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Visa® Debit Cards

“Upon losing my debit card, my account was frozen immediately and a new card was issued at the branch within the hour. Outstanding!”

Man with poofy hair and glasses smiling Robert S.
  • Quick

    Get an instant-issue debit card

  • Convenient

    Connect your card to your smartphone

  • Apply Now!

Simplify your wallet

Gone are the days of scribbling paper checks or counting out change. A debit card makes transactions simple and seamless. We issue Visa debit cards with each of our checking accounts. You can use your card at more than 250 local ATMs and nearly 30,000 nationwide through the CO-OP Network with absolutely no fees involved!

  1. 1

    Earn rewards

    Register your card here, use it and redeem accumulated points online for merchandise, gift cards, etc. You can also earn exclusive cash-back offers at the places you use your card the most by signing up for Purchase Rewards within your online banking account.

  2. 2

    Pocket $250

    By simply using your card and bypassing the PIN option at the point of sale, you have a chance of winning $250 in our biweekly drawings.

  3. 3

    Experience heaven

    Imagine winning an all-expenses-paid trip to Chicago that includes a free 60-second shopping spree in a merchandise warehouse just for using your debit card. Several drawings are held annually. Learn more.

Get your debit card

Fill out an application and bring it into any branch to get your instant-issue debit card (except South Second Street).

Apply Now!

FAQs

Fill out an online travel notification by signing into your online banking account, clicking on the Secure Forms tab, and then clicking on the Travel Notification for Debit and Credit Cards option. You can also call to let us know you're leaving at 314.962.6363 or 618.239.6363, option 6 then option 1.
Think of your debit card as a check card, because the money still comes out of your checking account whether you do a credit or a debit transaction with it at the point of sale (POS). The transaction is just processed through a different network. When you swipe or insert your debit card at the checkout, the terminal will often prompt you to enter a four-digit PIN. We encourage you to bypass this option and use your signature instead. When you sign for purchases using your debit card, you earn rewards points! When you enter a PIN, no rewards points are earned.
We understand how this can be confusing. It has to do with how the processing networks are set up. PIN-based debit transactions are routed through what are known as electronic funds transfer (EFT) networks. The EFT network authorizes the transaction and immediately deducts the transaction amount from your checking account. Within a few days, the merchant receives the money. Signature-based debit transactions are authorized, cleared and settled through the Visa or MasterCard network, the same one used for processing credit card transactions. The merchant submits the transaction with the rest of their card transactions, usually at the end of the day, and then receives the money, typically within a day or two of the settlement. Signature debit transactions are referred to as “offline” transactions, because a PIN debit network does not play a role in processing.
In most cases you press the green (Enter) button on the terminal after swiping or inserting your Arsenal debit card. If you're not sure which button to press, ask the cashier which color to press for “credit.” You then simply use your signature to complete the transaction. For small-amount purchases, you may not even have to sign anything. The funds are then deducted from your checking account, typically within a day of the processing date.
If you have any questions about your points balance or using your rewards card, please contact CURewards member services at 800.637.7728. You can also contact our member services department at 314.962.6363 or 618.239.6363, option 6, then option 2.
If you have a debit card with us already, but it has been lost or stolen, call us at 314.962.6363 or 618.239.6363 during normal business hours or 888.918.7744 outside of business hours. " Your Visa debit card allows you to conduct transactions on the CO-OP, PULSE, STAR and PLUS networks. Some merchants are authorized to accept non-Visa debit transactions without requiring you to enter your PIN. If you choose to sign to authorize a debit transaction, the transaction will be routed as a Visa transaction. Provisions of your cardholder agreement that specifically relate to Visa transactions are inapplicable to non-Visa transactions. For instance, a non-Visa debit transaction will not provide Visa's Zero Liability Protection benefit. "

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Share your story about Visa® Debit Cards at Arsenal Credit Union

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Additional features

These extra features add a layer of more complete security to your debit card, keeping you and your money safe.

  • Alerts

    Easily set up alerts for your debit card online. You can receive text and email notifications for specific activity, such as gas purchases, international purchases, purchases over a certain dollar amount, transactions taking place out of designated times and much more.

    Set up Alerts
  • Travel Notifications

    Whenever you travel, let us know in advance so we can prevent your debit card transactions from being declined while you are out of town due to unusual behavior and the appearance of your card being fraudulently used by others.

  • Verified by Visa

    If you want to make online purchases more securely, set up Verified by Visa. It's an easy way to register your card with Visa and helps protect you against fraud.

    Set Up Verified by Visa

Get your debit card

Apply Now!

Your Visa debit card allows you to conduct transactions on the CO-OP, PULSE, STAR and PLUS networks. Some merchants are authorized to accept non-Visa debit transactions without requiring you to enter your PIN. If you choose to sign to authorize a debit transaction, the transaction will be routed as a Visa transaction. Provisions of your cardholder agreement that specifically relate to Visa transactions are inapplicable to non-Visa transactions. For instance, a non-Visa debit transaction will not provide Visa’s Zero Liability Protection benefit.