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Visa Debit Cards

Looking for a better way to pay?

With your contactless Bank of Oklahoma® Debit Card, you can shop at millions of stores, online and in person.

A Safer, Faster Way to Pay

Your Bank of Oklahoma Visa® Debit Card is contactless, making it secure, fast and easy to use at any supporting terminal worldwide. It pulls money directly from your checking account, so there's never any interest to pay. Simply use it in stores or enter the number online to make purchases or pay your bills. It also doubles as your ATM card, so you can also use it to take out cash. Plus, you'll get special offers and deals from Visa®, simply by owning the card.

Contactless Visa debit card image

Tap to pay and be on your way

Paying with your contactless card is secure, fast and easy. Once your payment is complete, you're good to go. If the terminal is not contactless-enabled, simply insert or swipe your card as you normally would.
  • Look for the Contactless symbol at checkout

  • Simply tap on the terminal to make your payment.

Safety First

With your Visa® Debit Card, you have many safety features not included on checks or cash.
With Zero Liability¹, you are protected from unauthorized charges that are promptly reported to the bank. Any funds taken from your account due to fraudulent use will be returned to you.
Your Visa® Debit Card has contactless tap-to-pay functionality as well as chip technology.
Your Visa® Debit Card is safer than writing a check because personal information like your address, phone number and driver's license number stay confidential.
And of course, carrying your card is safer than carrying cash. If it's stolen, just call us immediately and we can deactivate the card right away to further protect your money.
Our mobile app allows you to securely activate your debit card, block your card if you believe it’s lost or stolen, and advise us of your travel plans. You can also sign up for Online or Mobile Alerts to get notified of activity on your card.

Card Features

Special Offers from Visa®

Visa® offers lots of special perks to debit card holders. You'll get discounts at all sorts of places, from clothing and shoe stores to hotels and travel attractions2. Visit Visa's® website to learn more and start using your perks today!

Special Offers

  • Just insert your cash and checks directly into the ATM, confirm your deposit amount, and you’re done. It’s that easy!

    ATM Deposit

  • Your Visa® Debit Card can be used anywhere that accepts Visa® — millions of stores across the world. You'll also be able to use your card at ATMs and some stores will let you get cash back after making a purchase. Plus all your card transactions are easy to view in Online Access, so keeping track of everything is simple.

    How It Works

  • Your Bank of Oklahoma account is fully compatible with Apple Pay, GooglePay™ and Samsung Pay1 to easily and securely pay in stores or online directly from your checking account.

    Learn More


    1 Apple, the Apple logo, iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay and Touch ID are trademarks of Apple Inc. Samsung and Samsung Pay are registered trademarks of Samsung Electronics Co., Ltd. GooglePay™ is a registered trademark of Google, LLC.

Getting Cash Back From Merchants

To avoid extra trips to the bank or ATM, some merchants will allow you to request cash at the end of your purchase. It's an easy, fee-free way to take cash out when you need it.
When you're making your purchase, ask if the store offers cash back. Many do, especially grocery stores and drug stores. If they do, to request cash after making a purchase, simply press debit instead of credit on their machine. Then, enter your PIN and select the amount of cash that you want to complete the transaction. The cashier will hand you the money and it will simply be added onto the cost of your purchase. It’s that easy!

Enroll in a Bank of Oklahoma checking account today. When you receive your Visa® Debit Card, you can begin using it right away

Checking Accounts 

Ready to Get Started?

Frequently Asked Questions

Chip cards are regular plastic credit or debit cards with an embedded microchip. The chip protects in-store payments because it generates a unique, one-time code that is needed for each transaction to be approved. A chip card also has a magnetic stripe on the back of the card.

Just like you do today, you’ll have the option to either sign or enter your PIN for debit purchases.

Yes, you can still make purchases as you always have — by entering the card number online or swiping your card at merchant locations that do not yet have chip readers. You can also continue to use your card at ATMs.

You can use your chip card anywhere Visa cards are accepted. You can swipe your card just like you do today using the magnetic stripe on the back of the card, if a chip-activated terminal is not yet available. The terminal or the cashier will prompt you to insert and leave the card in the terminal until the transaction is complete if it’s activated for chip.

Yes, just swipe your card using the magnetic stripe the way you always have. You’re still protected from unauthorized transactions with our Zero Liability Policy*.

Some merchants may have chip terminals, but they may not yet be activated to accept chip cards. If you are unable to insert your chip card into a chip terminal, you can always swipe your card to complete the transaction. Most often, merchants that haven’t activated their terminals will block the chip slot.

Until the technology is available everywhere, chip card acceptance may vary by type of payment card at some merchants. During this transition, you can always swipe your card to complete the purchase. And rest assured, you’re protected with our Zero Liability Policy.

Your card will always work either by swipe or insertion. The terminal or the cashier will prompt you to insert the card into the terminal if it’s activated for chip technology. If the terminal is not yet chip-activated, you can always swipe your card to complete the purchase.

All Visa cards offer protection from unauthorized use of your card or account information. Chip technology offers another layer of security when used at a chip-activated terminal, because it generates a unique, one-time code that is needed for each transaction to be approved.

Contact an ExpressBanker at 800-234-6181 to report your card lost or stolen and request a replacement card. Your card comes with zero liability protection, so you won’t be liable for any unauthorized transactions you report in a timeline manner.

Do I need to notify the bank before I use my debit or ATM card while travelling in another state or foreign country?

Yes. To help prevent an interruption in debit or ATM card access while travelling domestically or internationally, we recommend you submit a travel notification 48 hours in advance of your trip, for the cards you plan to use while traveling. You can submit a travel notification using Online Banking or the Mobile app. Just log into your account and select Add Travel Notification to tell us your travel plans. Alternatively, you can also call ExpressBank at 800-234-6181.

Will I be notified when my travel notification request has been processed?

Yes. We will send an email to your primary email address on file to notify you when your request has been processed.

Can I cancel or edit a travel notification once it has been processed?

You may cancel a travel notification as long as the date of travel has not passed. Travel notifications cannot be edited once they have been processed. If you need to make a change to your travel notification, please cancel your original request and submit a new travel notification with your updated travel details.