ATM & Debit Cards

A TLC Debit Card or ATM Card is free to qualified members with a TLC Checking Account. An ATM Card is also available with a TLC Savings Account.

  • Make withdrawals and inquiries at nearly any ATM worldwide. At TLC ATMs, you can also make deposits to your TLC accounts.
  • TLC ATMs are always free to members. We also do not charge a fee for your first four withdrawals or transfers each month at other ATMs ($2 each after that), even though the ATM owner may apply a surcharge.
  • Avoid ATM surcharges at TLC and over 30,000 CO-OP Network ATMs. Watch the video below for more information.

  • Your TLC Debit Card can be used wherever Visa is accepted. Your purchase is deducted directly from your checking account.
  • Your Debit Card also works at POS (Point of Sale) terminals at the checkout counters of supermarkets, gas stations, and other stores. You only need your PIN (Personal Identification Number) to use POS terminals. You may also withdraw cash from your checking account in addition to making a purchase. This saves you a trip to the ATM and possible ATM fees.
  • 24 hours a day, seven days a week fraud monitoring system.
  • Call 1-800-472-3272 for after-hours assistance with a lost or stolen card or to discuss temporary blocks on suspicious activity.
  • Our Checking Protection Package includes CardValet, Overdraft Transfer Protection, Courtesy Pay, and Debit Card Courtesy Pay. These services work together to create multiple lines of defense against unexpected surprises, so you always have the money you need for the things you want. 


CardValet is your first line of defense against card fraud. In fact, we believe in CardValet so strongly, we pay for you to use it for free! It’s a must for every member with a Credit or Debit Card.

CardValet is a free mobile app that manages your risk by allowing you to define when, where and how your cards can be used. Receive alerts/notifications when your cards are used. Download the CardValet app through Google Play or the App Store, then register your credit and debit cards, and enjoy the peace of mind CardValet brings.

Watch this video for more details on CardValet!

Visa Account Updater

New card? No problem. Updating your automatic payment information can be a hassle when your credit or debit card is changed. With Visa Account Updater, it's easier to save your automatic payments. Saving your card number with billers and merchants makes paying quicker and easier. In many cases, you won't have to update your payment information.

That means you can often:

  • Skip the hassles of updating your payment info
  • Avoid declined payments and service interruptions
  • Worry less when your Credit/Debit Card is re-issued

If members do not want to participate in the Visa Account Updater service, they may request to opt out. Stop by your local TLC branch or call us at 360-423-8750 to opt out of Visa Account Updater service.