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Visa Debit & PEFCU ATM Cards

Our Visa Debit Card gives members who have a Checking Account with us, full debit card privileges. You can get complete access to your money from millions of ATMs that accept VISA. And, forget the hassle of writing checks – make it easy by paying with your debit card at merchants that accept Visa. You can even get cash back at most merchants.

Our PEFCU ATM Card allows easy access to your accounts at any Presto! ATM, Pulse, or Plus ATM. Also, access your Checking Account at any Presto! POS (Point-of-Sale) terminal or at any Pulse POS terminal. This includes Pay at the Pump for gas purchases.

We now have several PEFCU "Isle of Service" ATMs located in select warehouses and at our Main Branch, in Lakeland, FL. These ATMs will only accept your Visa Debit Card or the PEFCU ATM Card.  The "Isle of Service" ATMs are FREE for all transactions you make and accept Cash or Check Deposits.

At all other ATMs you will receive 4 free* ATM withdrawals per month with either card. All merchant transactions (POS) are free, including cash back.

Important Notice:  Unless notified transactions outside the United States will not be allowed using your Visa Debit Card. This restriction has been added due to increased fraudulent activity in foreign countries. Please notify us if you will need to use your card outside the U.S. so we can unrestrict your card temporarily.  You may contact us at 1-800-226-6673, ext 6602 Card Services Dept. 

Visa Debit Card – you need to be at least 13 years of age**, have a Share Draft (Checking) Account^, and be in good standing with the Credit Union.  PEFCU ATM Card – you need to be at least 13 years of age**, have a Share (Savings) Account and be in good standing with the Credit Union.

Debit Card Facts– great site for information on how to manage your money through the debit card payment method. By getting the facts and understanding all the benefits associated with debit cards, you'll be able to track your daily finances and stay on top of the latest safety measures developed to ensure the security of your card.

Fraud Protection
We have an enhanced Fraud Protection Program. When a transaction on your card appears to fall outside of your usual spending pattern, an alert is created and sent to a fraud analyst or automated voice system which will then contact you at home, at your office, or on your cell phone to verify whether you authorized this transaction. Part of the verification will be to ask you to confirm the last 4 digits of your Social Security number on file.
If we are not successful in contacting you, a decision will be made on your behalf to block future transactions until you can be reached for confirmation. Therefore, it is extremely important that we have your most up to date contact information on file. Please contact us at 1-800-226-6673 if you feel your contact information needs to be updated or if you would like to add/update your cell phone number on our files.
Get peace of mind when you shop online with Verified by Visa
Our credit cards offer comprehensive fraud protection, but Verified by Visa goes even a step further, adding an extra layer of security at the point where you enter credit card information online. The service helps prevent unauthorized online use before it happens by confirming your identity with an additional password.

When you shop at participating online stores, you’ll enter your Visa credit card number, plus your unique Verified by Visa password. It’s that easy. And your card information is secure!

Register today! It’s free and takes just a moment. Let Verified by Visa help protect you when you shop online.



*When using an ATM other than Presto! (Publix), be aware of the surcharge fees the other financial institution is charging.
**Ages 13 -17 must have a Parent/Legal Guardian as a Joint Owner on the Account.

^Account must qualify for this service. 

Visa Debit & PEFCU ATM Card Designs
VISA Credit Card, ATM & Debit Card Security Tips

The National Credit Union Administration (NCUA) is the federal agency that charters and supervises federal credit unions and insures savings in federal and most state-chartered credit unions across the country through the National Credit Union Share Insurance Fund (NCUSIF), a federal fund backed by the full faith and credit of the United States government. For more information on the NCUA, please visit their website at