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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 at any branch

  • 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.

Earn rewards – on a debit card!

We’re the rare financial institution that lets you earn rewards points on your debit card. Rack up points on signature-based transactions. Register your card here and then redeem your points online.

You can also earn exclusive cash-back offers at the places you use your card the most with Purchase Rewards. Sign into your online banking account to set this up.

  1. 1

    Stay secure

    Worried about making online purchases? Concerned about fraud? Verified by Visa gives you additional protection and peace of mind. Set up is fast and easy.

  2. 2

    Stay connected

    Make things even simpler by never opening your wallet. Connect your debit card with Apple Pay®, Google Pay® or Samsung Pay® to make purchases with your phone.

  3. 3

    Stay savvy

    If you want to dodge fees and save money, Arsenal Credit Union is the perfect choice. We offer our members more than 250 local and nearly 30,000 free ATMs through the CO-OP Network.

Get your debit card

Fill out an application and bring it into any branch to get your instant-issue debit card.

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. PIN you pay, sign you save. Purchases for which you sign are free, plus you earn rewards points from the credit union! When you enter your PIN, we assess a 25-cent fee, and no rewards points are earned. There is still no fee for using your debit card at nearly 30,000 ATMs in the CO-OP Network around the country, where you must enter your PIN. There are also no fees when using your Arsenal debit card online
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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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.