Visa Debit Cards

Looking for a better way to pay? With your Bank of Oklahoma Visa® 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 with EMV chip-activated technology is fast, safe, and accepted 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.

Safety First

  • Zero Liability* means you are protected from unauthorized charges when promptly reported.
  • Because your Visa® Debit Card comes with built-in chip technology, you get an extra layer of security against fraud.
  • Sign up for Online or Mobile Alerts to get notified of activity on your bank accounts.

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 attractions**. Visit Visa's® website to learn more and start using your perks today!

Special Offers

Convenience Matters

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 Banking, so keeping track of everything is simple.

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ATM Deposits

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

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Apple Pay

Your Bank of Oklahoma account is fully compatible with Apple Pay, so you can use your eligible iPhone, Apple Watch or iPad to pay in stores or online directly from your checking account.

Apple Pay

Using Your Chip Card

You can swipe your card at traditional terminals, but if a chip-activated terminal is available, follow these simple steps:

1. Insert the chip end of your card into the terminal with the chip facing up. 2. Keep your card in the terminal and follow the prompts. 3. Remove your card when prompted and take your receipt.
EMV Chip emv card
EMV Card

Protection on Your Card

With your Visa® Debit Card, you have many safety features not included on checks or cash.

  • With Zero Liability*, 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 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.
  • How It Works: 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

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    Frequently Asked Questions

    What is a chip card?

    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.

    Do I need to use a PIN with my chip card?

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

    Can I use my chip card for all the same things as my old card?

    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.

    Where can I use my chip card?

    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.

    Can I use a chip card at merchant that hasn’t yet updated their terminal?

    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*.

    What if my chip card doesn’t work when I insert it into the chip terminal?

    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.

    Why does my chip credit card work at the chip terminal but my chip debit card does not?

    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.

    How will I know whether to swipe my card or insert it?

    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.

    Are chip cards more secure than magnetic stripe cards?

    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.

    What do I do if my chip card is lost or stolen?

    Contact our ExpressBank at (800) 234-6181 to report your card lost or stolen and request a replacement card. Your debit card comes with zero liability protection, so you won’t be liable for any unauthorized transactions you report timely.

    Related Products and Services

    If you'd like to take advantage of all the benefits our Visa® Debit Card offers, you'll need a Bank of Oklahoma checking account. Compare them and pick the right one for you today: