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ATM/Debit Card

With QOCU’s Visa ATM Card and Debit Card, you can obtain a balance, deposit, and withdraw money from your share savings account or your share draft checking account. The Debit Card allows you to do Point-of-Sale transactions from your share draft checking account only. You will receive 6 FREE PIN-generated transactions each month ($0.50 + tax 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 Debit Card also has a CREDIT option. 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 and immediately withheld from the available amount in your checking account until the transaction processes, usually 1-3 days from the purchase date.

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.


Apply for an ATM/Debit Card now!


Locate a Privileged Status ATM near you!



Due to an increase in fraud, Quaker Oats Credit Union has blocked all ATM/Debit Card transactions from the following states:

  • Arizona
  • California
  • Massachusetts
  • Michigan
  • New Jersey
  • New York
  • Pennsylvania
  • Texas
  • Washington

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 contact the credit union.



If your ATM or Debit card is stolen or compromised, please 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 Card transactions, please call Shazam Fraud Monitoring 1-866-508-2693.



If you need to replace your ATM Card, Debit Card, or PIN there is a $10 replacement fee, per card and a $5 PIN replacement fee.