APCO Visa® Debit Card

When you open a checking account, you automatically receive an APCO Visa Debit Card.

Your debit card can conveniently be used at surcharge-free ATM’s statewide as well as more than 30,000 surcharge-free ATMs nationwide through the CO-OP Shared Network.

To get started, simply sign up for a checking account.

Always be diligent in protecting your information. Click here for a list of things we won’t ask you.



Here are additional services you can expect with your APCO Visa Debit Card

Instant Issue for Debit Cards

For added convenience, new APCO Visa Debit Cards can be instantly issued at many branch locations. If your card is lost, stolen or broken, many of our branches can issue you a new card same day for pick up. Contact your local branch to inquire about options.

Card Manager

Actively manage your debit card by defining when, where and how your cards are used – all right from your phone!

CardManager sends real-time alerts for PIN and signature transactions enabling you to manage, track and report specific types of transactions. You can customize your experience by setting alerts and controls for:

  • Locations
  • Merchants
  • Spending thresholds

Lost or misplaced a card? CardManager enables you to turn a card “off” until it’s found.

To get started with CardManager, log in to our Mobile Banking App, and choose CardManager from the main menu at the top right. Your card is managed through a separate Mobile App, the APCOCU Card Manager App, which uses your Digital Banking credentials. You’ll be prompted to download the app the first time you access CardManager if you have not already. Once you have downloaded the APCOCU Card Manager App, you can access it directly or through the APCO Mobile Banking App to actively manage your card.

Visa Purchase Alerts

Set a dollar amount and if a transaction meets or exceeds that dollar amount you will automatically be notified of phone or internet transactions and international transactions.


Apple Pay, Google Pay, and Samsung Pay Options

For added convenience and security, your APCO Visa Debit Card is compatible with Apple Pay, Google Pay, and Samsung Pay. All three platforms use contactless payment without the need to present your debit card. By not having your card account number shared with merchants, you can pay with greater peace of mind. Learn more about the added convenience and security of these digital wallet options here.

Apple Pay transactions using Apple devices are authorized with TouchID™ security or your passcode, and transactions never use your Card number. Click here to learn about finding merchants accepting Apple Pay.


Debit cardholders with Android and iOS devices can make transactions with their device using Google Pay. Google Pay is accepted by most merchants.


Debit cardholders with an eligible Samsung device with the Samsung Wallet app can make transactions with their device using Samsung Pay. Samsung Pay is accepted by most merchants.