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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.

Access more ATMs

You can use your card at more than 250 local ATMs and 30,000 nationwide through the CO-OP Network with absolutely no fees involved! Here are a couple more perks you get with your Arsenal debit card.

  1. 1

    Earn rewards

    Register your card online, 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. Learn More

  2. 2

    Set up mobile payments

    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.Learn More

  3. 3

    Track your spending

    With our online and mobile banking tools, you can track your spending easily, helping you from overdrawing your account. 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!


The easiest way to set up a travel notification is to download our CardKey app. Another option is to 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.
  • Credit Card: 1 point per every $1 spent
  • Debit Card: 1  point per every $5 spent (transactions must be run as signature/credit)

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Additional features

These extra features add a layer of more complete security and convenience to your debit card.

  • CardKey

    You're in control. Download our CardKey app to lock/unlock your debit card, set up alerts/controls, view transactions and so much more.

    Learn more about CardKey
  • Mobile Check Deposit

    Skip the line. Use the Arsenal mobile app to snap, tap and deposit your checks.

    Learn more
  • Spend to Save

    Watch your savings grow! Enroll in Spend to Save to have each transaction from your debit card rounded up to the nearest dollar and deposited into your savings account.

    Learn more about Spend to Save
  • Visa Secure

    Make shopping online more secure. Protect against unauthorized use of your Arsenal debit card with Visa Secure. When you use your card online, your identity may get verified through a push notification from the Arsenal mobile app, a one-time code by text or email or security questions. You can choose how you want to be verified. Your transaction will go through only after you verify your identity.

Get your debit card

Apply Now!