Debit vs. Credit

Valley Oak offers debit account access to our Basic, Privilege, 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 millions 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 receipt just as when using a traditional credit card. Click here for non-VISA debit-transactions details. Remember 'Sign you save - PIN you pay'

Don't forget to notify Valley Oak if you will be traveling and using your card(s) out of your normal spending area. This way we can ensure you are not inconvenienced by your card(s) not working.

Before You Travel

Electronic Funds Transfer Disclosure

To report your VISA Debit Card lost or stolen, please call 800.472.3272.

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