Debit Card

Visa Debit cards are offered to qualified members, and are a great complement to our FREE Checking Accounts.  Our debit cards feature:

  • Free, unlimited debit transactions at merchants
  • No-fee ATM transactions at Privileged Status ATMs
  • EMV Chip Technology to protect your in-person transactions
  • Automatic enrollment in our Verified by Visa program
  • Sign-up for Metco’s Debit Card Round-Up Savings program and every POS (signature transaction) purchase you make with your debit card will help you save some extra cash!

Apply for a no-annual-fee debit card securely online or stop in to the credit union to complete an application.

If your Visa Debit Card is lost or stolen, call 1.800.383.8000

To dispute a purchase made with your Debit Card – 1.833.288.1126

Our debit card customer service representatives will also call you using this number if a potentially unauthorized transaction is discovered on your card. 

Should you choose “Debit” or “Credit” when using your debit card at a merchant location?

When making a purchase, it makes a difference whether you choose “credit” or “debit”:
When you say “Debit” and enter your PIN number:

  • You enter your four-digit PIN to complete the transaction
  • You can access a limit of $200 per day
  • The merchant charges the credit union a fee for each transaction

When you say “Credit” and swipe your card, and then sign the receipt:

  • You can use up to the balance in your checking account or a limit of $1,500 per day, whichever is less.
  • The credit union receives some income from the ATM Network for this transaction
  • You have far more consumer protection rights when used as a credit card
Exterior of the Metco Credit Union building.
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