Discover the Power of Your Debit Card
Access thousands of surcharge-free ATMs, earn rewards through your Rewards Checking account1, control spending, and pay securely everywhere you go.
Your Debit Card: Convenience Meets Rewards and Security
Your OAS FCU Debit Card opens doors to everyday convenience — from surcharge-free ATM access to secure payments and rewards on daily spending when linked to your Rewards Checking account1.
Make saving effortless with RoundUp, our optional savings program², and stay in control with the CardNav app3 — turn your card on or off, set spending limits, and receive real-time alerts.
Pay confidently with your card or mobile wallet wherever Visa® is accepted, backed by Visa’s Zero Liability protection4 for added peace of mind.
Make the most of every swipe — start using your debit card smarter than ever.
Need help?
Contact us anytime on our Member Services numbers.
Earn Rewards with Your Debit Card
Your Debit Card is linked to your Rewards Checking Account1. When you use your card for everyday purchases and meet a few monthly requirements, you can earn rewards1 automatically.
That’s it. Simple, everyday banking — with added benefits.
You earn rewards1 when you:
- Make at least 15 Debit Card purchases or payments per month.
- Set up a monthly Direct Deposit.
- Enroll in eStatements.
Activating your new card is as easy as using it!
Your new OAS FCU Debit Card gives you instant access to your funds — plus Rewards Checking benefits1, mobile convenience, and enhanced security.
Activate it today and start enjoying everything your card can do for you.
With your OAS FCU Debit Card, convenience meets rewards and security, all together in one powerful package.
Your Preferred Payment Method
Make your Debit Card your go-to for everyday spending — online, in stores, and on the go.
Swipe or shop online
Anywhere Visa is accepted
Use it for your monthly subscriptions
Netflix, Spotify, gym memberships, and more
Add it to your mobile wallet or wearable wallet
Apple Pay, Google Pay, Samsung Pay, Garmin Pay or Fitbit Pay
Turn small payments into smart savings with RoundUp Account
Automatically rounding each purchase to the nearest dollar and transferring the difference into your savings
Convenience and Security, Backed by Visa®
Enjoy peace of mind and flexibility everywhere you go:
Access a large surcharge-free ATM network.
Withdraw cash at more than 30,000 CO-OP ATMs and 2,300+ Citibank ATMs nationwide5.
Stay in control with CardNav3.
Turn your card on or off instantly, set spending limits, and receive real-time transaction alerts.
Shop with confidence.
Your card includes Visa’s Zero Liability protection4, helping safeguard your account against unauthorized transactions.
Pay your way.
Insert, swipe, or pay with your phone. Contactless mobile wallet payments make checkout fast and secure.
Tips to Keep Your Card Working Smoothly
Why Activate Now?
Because your Debit Card isn’t just access — it’s empowerment.
Activate today — and make every purchase work for you.
You’ll unlock:
- Rewards eligibility through your Rewards Checking Account1
- Instant control through digital tools
- Global convenience with Visa®8
- Built-in protection and peace of mind
Purchases & payments: $2,000 per day
ATM withdrawals: $1,000 per day
Notify us of your travel plans6.
Your Debit Card makes saving effortless.
After you opt-in2, each time you use your OAS FCU Debit Card, we automatically round your purchase up to the nearest dollar and transfer the difference from your Rewards Checking Account into your RoundUp Savings Account2.
Every swipe, insert, or mobile wallet purchase helps grow your savings — seamlessly and automatically.
Your Card.
Your Rules.
With CardNav3, you control when, where, and how your debit card works.
Turn it on or off instantly, set spending limits, or block specific merchants—all from your phone.
Because real control means real peace of mind.
Tips to Keep Your PIN Safe
Set or Reset Your PIN
Your Personal Identification Number (PIN) adds an extra layer of protection when you use your Debit Card for ATM withdrawals or in-store purchases.
Setting or updating it is quick — and keeping it safe is essential.
Quick Reminder:
If your card is ever lost, stolen, or compromised, contact us immediately at 1-888-241-2510 or +1-909-941-1398 for 24/7 assistance.
Memorize it — don’t write it down.
Avoid keeping it in your wallet, phone, or anywhere near your card.
Create a strong PIN.
Use a random combination of numbers that’s easy for you to remember but hard for others to guess. Avoid using dates of birth, addresses, or simple patterns (1234, 0000, 2580).
Keep it private.
Never share your PIN with anyone — not even family, friends, or OAS FCU staff. We will never ask for your PIN by phone, text, or email.
Stay alert.
When entering your PIN at an ATM or store, shield the keypad from view.
Lost, stolen, or damaged?
We’ve got you covered.
If your Debit Card is ever lost, stolen, or compromised, we’ll take care of it quickly so you can get back to your day with confidence.
Need faster access?
You can request expedited shipping or pick up your card in person at our Washington, D.C. branch.
Block your old card immediately to prevent unauthorized transactions.
Send you a new card with a different number, typically within 5–7 business days.
Transfer your RoundUp settings automatically to your new card, when applicable2.
Review your recent transactions in Online or Mobile Banking.
Notify merchants or services that use your old card number for automatic payments.
Do not use your old card once your new one is active.
Need Help Setting Up Your Digital Wallet?
Your Debit Card works seamlessly with Apple Pay, Google Pay, and Samsung Pay, Garmin Pay and Fitbit Pay, giving you a faster and more secure way to pay with your mobile device wherever Visa® is accepted7.
Learn how to add your card, manage your settings, and start paying with just a tap.
Benefits That Go Beyond Spending
Your OAS FCU Debit Card is more than just a way to pay — it’s a tool for smarter banking, safer access, and everyday rewards.
Everyday Rewards
Earn monthly rewards through your Rewards Checking Account1 by meeting a few simple requirements.
When you qualify, rewards are based on your account activity and may include a preferential dividend rate on the balance or cash back on debit card purchases1.
You qualify when you:
Make at least 15 debit card purchases per month.
Set up a monthly Direct Deposit.
Enroll in eStatements.
Enhanced Security
Protected by the Visa® Zero Liability Policy4, helping safeguard you from unauthorized transactions.
Monitor activity and control your card in real time with CardNav3.
Added protection with One-Time Passcode (OTP) verification for select online purchases.
Digital Convenience
Add your card to your mobile wallet (Apple Pay, Google Pay, Samsung Pay) or wearable wallet (Garmin Pay or Fitbit Pay) and pay with just a tap.
Check balances, transfer funds, or freeze your card instantly through Online or Mobile Banking.
Save Effortlessly with RoundUp
Turn spare change into savings automatically.
After you enroll2, each eligible debit card purchase is rounded up to the nearest dollar, and the difference is transferred from your Rewards Checking account into your RoundUp Savings account.
Instant Access, Everywhere
Shop online or in stores anywhere Visa® is accepted, including international locations where Visa® is supported8.
Withdraw cash worldwide through 30,000+ CO-OP ATMs and 2,300+ Citibank ATMs, surcharge-free5.
Disclosures
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Rewards are earned only through the OAS FCU Rewards Checking Account. Monthly qualification requirements include at least fifteen (15) qualifying debit card purchases that post and clear during the qualification period, enrollment in eStatements, and at least one qualifying direct deposit per month. Automatic recurring debit card payments do not count toward qualification.
When qualification requirements are met, the reward is determined by the account’s average daily balance: accounts with an average daily balance of $6,000 or more earn a preferential dividend rate on qualifying balances, while accounts with an average daily balance below $6,000 may earn cash back on qualifying debit card purchases, as described in the Truth in Savings Disclosure.
If qualification requirements are not met, the non-preferential dividend rate applies to the entire balance for that period. Terms and conditions apply.
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RoundUp is an optional, opt-in savings feature. Rounded-up amounts are transferred from the Rewards Checking account to the RoundUp Savings Account. Dividends accrue and are credited according to the RoundUp account terms. Additional conditions may apply.
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CardNav is available for U.S.-based members only and requires a compatible mobile device.
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Visa’s Zero Liability policy covers U.S.-issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa®, or certain commercial card transactions. You must notify the Credit Union promptly of any unauthorized use. For additional details, visit www.visa.com/security.
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Surcharge-free ATM access is available at participating CO-OP and Citibank ATMs. Availability and access may vary by location.
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Travel notifications help reduce transaction interruptions but do not guarantee authorization of all transactions.
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Apple Pay, Google Pay, and Samsung Pay are third-party services subject to their own terms, conditions, and privacy policies. Device compatibility required. OAS FCU is not responsible for third-party services.
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International acceptance is subject to network availability, local regulations, and merchant participation.