When presenting the card to the cashier or swiping it through the checkout terminal, and selecting “CREDIT”, there will be no transaction fee assessed by OHecu.  When using your VISA Debit Card at a merchant who requires you to put in the PIN or at an ATM other than one part of the surcharge free ATM network, there could be a fee assessed by OHecu depending on your membership package status.  

Click here to view the fee schedule. 

If you plan to travel outside your normal spending area, give us a call at 877-322-6328 or stop by any OHecu office to let us know where you are traveling to and your dates of travel.  This will ensure you are able to use your card while traveling.

Yes, you can still use your checks or your OHecu VISA® Debit Card, whichever is most convenient for you.  However, we’re sure that once you see how much more convenient the OHecu VISA® Debit Card is to use, you will need to write fewer and fewer checks.

In order to qualify for a Debit Card, you need to have an OHecu checking account.  If you already have an OHecu Checking Account, please visit any OHecu office with your photo ID to request a VISA Debit Card.   If you need to open an OHecu Checking account, please visit any OHecu Office with 2 forms of ID.

For additional information on OHecu Checking accounts, click here.

The PIN number for an ATM or Debit card can be changed at any OHecu ATM for free.  You may also change your PIN number at any OHecu office by bringing in your card and photo ID.   Please see the OHecu Fee Schedule for fees associated with changing your PIN at a branch location. 

When using the OHecu VISA Debit Card at an ATM, you enter your personal identification number (PIN) to receive cash, make deposits, transfer money between accounts, or receive account balances.   Use your VISA Debit card for purchases anywhere VISA is accepted.   The nice feature about a debit card is that you will never receive a credit card bill at the end of the month.  The money comes directly from your OHecu Checking account.   Just present the card to the cashier or swipe it through the checkout terminal, select “CREDIT”, and sign the receipt.  Some retailers may require you to enter your personal identification number (PIN) into the checkout terminal when utilizing our OHecu VISA Debit Card.

There is no charge for your initial VISA® Debit or ATM card; however, there may be a replacement fee if you need a new card prior to expiration reissuance.   Please refer to OHecu Fee Schedule for details.

Your OHecu VISA Debit Card may be used to withdraw cash from an ATM up to $600 or the available balance in your account, whichever is less, and/or conduct Point of Sale transactions up to $5000 or the available balance in your account, whichever is less. 

The OHecu VISA® Debit Card works like both an ATM card and a check.  The terms “debit card” and “check card” mean the same things.  A debit card withdraws money from your checking account as a check does; therefore, it debits your account.  It can be used at any ATM or merchant that displays the VISA® emblem, Alliance One or CU24 Logo.  

Contact us immediately at the phone numbers below if you believe your VISA debit or credit card and/or PIN code has been lost or stolen, or if money is missing from your account. For additional information including your responsibilities, please refer to the Rights and Liabilities section of Regulation E.
 

Lost or Stolen Cards 

Your OHecu VISA Debit Card Transactions will appear on your monthly OHecu Checking Account statement.  The same information is available to you immediately via OHecu Online Banking and OHecu Mobile Banking apps for your smart phone or tablet.  Each debit card transaction will identify the merchant name, location, date, and transaction amount.   OHecu Text Message Alerts can help you manage your OHecu Checking Account and compliments the convenience you have when using the OHecu VISA Debit Card