ATM/Debit Card

ATM/Debit Card

With QOCU’s Visa ATM/Debit card, you can obtain a balance, deposit, and withdraw money from your Share account (savings) or your Share Draft account (checking). The Debit Card allows you to do Point-of-Sale transactions from your Share Draft account only. You will receive 6 FREE PIN-generated transactions each month (50¢ per transaction thereafter).

  • There is NO ANNUAL FEE
  • Withdraw up to $300 per 24 hour period
  • Real-time transactions enable you to access the full balance of your account when used as a Point-of-Sale credit transaction (otherwise known as “swipe and sign.”). See below for details.

Your ATM/Debit Card also has a CREDIT option. If you have this option available, you may use your card anywhere Visa is accepted. Simply swipe and sign the receipt when using your card as a “credit.” The funds will be automatically withdrawn from your Share Draft/Checking account immediately.

Look for the Shazam and/or Cirrus symbol on the ATM machine. You will be able to use your Debit Card in Automated Teller Machines (ATM) with no surcharge fees across the United States where you see these symbols. We do require you to have a Share Draft account in order to have a Debit Card, although ATM cards allow you to access both Share Savings and Share Draft accounts.

Click here to locate a Privileged Status ATM near you!

Note:  Due to an increase in fraud, Quaker Oats Credit has blocked all ATM/Debit card transactions from certain states:  California, New York, Pennsylvania, New Jersey, Massachusetts, Michigan, Texas, Washington, and Arizona.   If you want to purchase something in one of these states using your ATM/Debit card – or if you will be traveling to one of them – please give us a call.

If your ATM/Debit Card is lost or stolen

If either of these cards are stolen or compromised, call us immediately at (319)395-7060. We’ll help you get a new card and PIN.  If it’s after hours, call (866) 596-3059. In the case of theft, be sure to alert the local authorities.

 To verify Debit/Credit transactions, please call Falcon 1-866-508-2693.

If you need to replace your ATM/Debit Card or PIN

There is a $10 replacement fee, per card and a $5 PIN replacement fee.



Members will begin to receive EMV (Europay, MasterCard,Visa) debit cards as their existing cards expire. Please read the following for more details and benefits of these new EMV cards.

How is a chip-enhanced card different from a magnetic stripe card?

A chip-enhanced card contains an embedded microchip. The chip holds encrypted information, making it extremely difficult for the card to be copied or counterfeited. Rather than swiping the card, you will insert your card into a chip-enabled terminal to complete a transaction. In addition to the embedded microchip, the chip-card has a magnetic stripe on the back, and purchases can still be made by swiping the card at merchants that have not yet switched to chip-enabled terminals.

Are chip cards new?

Although chip cards are relatively new in the U.S., they have been used in other countries for many years. In some countries, particularly in Europe, chip cards are the standard.

Why was my card replaced with a chip card?

  • Replacing your card with a new chip-enhanced card is one way we can help simplify your purchase experience as technology continues to change.
  • Although magnetic stripe cards continue to be the most common type of card in the U.S., many other countries, especially in Europe, are switching to chip cards. Giving you a new chip card is one way we can help simplify your purchase experience when you’re traveling outside the U.S.
  • We value your financial security. Your new card comes with advanced security because the chip technology makes it difficult for a fraudster to counterfeit your card.

Where can I use my chip card?

Use your chip card at the exact same merchants you do now, by inserting the card into terminals that are chip-enabled or swiping your card at merchant locations that have not yet switched to chip-enabled terminals. You can also continue to use your card as you do currently for online and telephone payments.

How do I make a transaction?

When making a transaction with your chip-enhanced card, it’s important to leave the card in the terminal until the transaction is complete. (If you remove the card too soon, the transaction will end and your purchase will not be processed.)

  1. Insert the chip portion of the card into the terminal with the chip facing up.
  2. Follow the prompts on the terminal screen.
  3. The terminal will display the purchase amount.
  4. When your transaction is complete, you will be prompted to remove your card.

At restaurants, a portable terminal may be brought to your table. (Remember, if a chip terminal is not available, you will still be able to make purchases by swiping your card and signing the receipt.)


What are the benefits of a chip card?

  • Advanced security due to the chip technology that makes it nearly impossible for a fraudster to counterfeit your card.
  • Ability to make payments at terminals outside of the U.S. where chip cards are the standard.

How do I know if my card can tap to pay?

Cards that have tap and pay capabilities have this symbol on the front or back of the card: icon1

For smaller-dollar amount purchases, you can tap your contactless card to pay at merchants that have the following symbol on the terminal: icon2

If a merchant does not have this functionality, you will need to insert the card into the terminal and follow the prompts to complete the transaction.