Lighten your load by retiring your checkbook...our VISA® debit card is accepted everywhere you see a VISA® logo and is included with all HRCU Checking accounts. Use it exactly as you would your checkbook and the money will come directly out of your checking account.

  • Our VISA® debit card is free with any HRCU checking account.
  • No charge for all point-of-sale transactions
  • Surcharge-free transactions at all HRCU ATMs
  • Any of 30,000+ ATMs carrying the Co-Op Network Logo  are surcharge-free. Find an ATM near you.

PLEASE NOTE: International Debit Card Usage

For security purposes HRCU debit cards will no longer automatically work outside of the United States. This includes Canada and Mexico. If you are traveling or making a purchase outside of the United States (this includes online transactions), simply let us know and your card will be authorized to make transactions. Please let us know if you have any questions or concerns regarding this policy.

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Full Time College Students*

If you're a full-time college student, HRCU has great news for you - NO HRCU ATM FEES while you're away at school! Simply stop by an HRCU branch while you're home on break, bring your college ID and that's it, you're good to go!

Find a Branch

*Offer applies to HRCU fees imposed for using non-HRCU or non-Co-Op Network ATMs. HRCU will not refund fees imposed by other financial institutions. HRCU fees will be refunded at the end of each month. Proof of college enrollment required.


CardValet is an easy-to-use tool that helps you manage your finances by controlling how, when and where debit and credit cards are used through the CardValet app. With the CardValet app, you can turn your card “On” or “Off” and control card usage and spending, all through your mobile device! To learn more about CardValet please Click Here!

CardValet is a registered trademark of Fiserv, Inc.