Valley Oak offers debit account access to our Basic, Premium and Premium Plus checking accounts.

DEBIT OR CREDIT? "SIGN YOU SAVE - PIN YOU PAY"

You can use your Valley Oak Credit Union Check Card for purchases at million of locations worldwide. The amount will be deducted conveniently from your checking account. When you present your Check Card (also known as your Debit card) for payment the cashier will ask you to choose "debit or credit" before the transaction can be completed. If you choose debit your purchase will require a pin number, the transaction will be considered an ATM withdrawal and a surcharge or fee may result. If you choose credit your purchase will be completed through the credit card network. You will be asked to sign a reciept just as when using a traditional credit card.

Remember 'Sign you save - PIN you pay'

TO REPORT YOUR VISA DEBIT CARD LOST OR STOLEN PLEASE CALL, 1-(800) 472-3272.

There is a $1.00 monthly service charge for having a Debit card. This will be automatically deducted from your checking account. If you have a Premium or a Premium Plus Checking account this fee is waived.