ATM Card

Get cash everywhere you go with a Southwest Oklahoma FCU ATM card! An SWOFCU ATM card gives you instant access to your Southwest accounts at more than 300,000 locations worldwide. Get cash, make deposits, even check your balance at any ATM location. Click here for ATM locations.


VISA Check/Debit Card

Your SWOFCU Visa Debit Card is accepted at millions of locations around the world. From the supermarket around the corner to a restaurant halfway around the world, your Visa Debit Card will make life easier and more convenient.

It’s perfect for Internet, phone, mail-order purchases, to pay bills or for the little things that catch you off guard. It’s the quickest, most simple way to make all your purchases.

Plus, it works at ATMs when you need cash.


Fraud Protection

Because debit fraud is a serious business, we’re watching out for you.   Just press ‘CREDIT’ when you make your purchases, and you’ll benefit from the multiple layers of protection offered by your Visa Debit Card.  You may not know it, but you have round-the-clock protection against the increasingly savvy perpetrators of debit card fraud. That’s because the Visa Check (debit) Cards we issue are protected by FraudWatch® Plus.

Through an important partner of ours we provide industry leading technology, tools and the expertise to manage fraud. Experienced fraud analysts work around the clock, watching for any suspicious card activity and will contact you immediately if they detect potential fraud on your card.

So if you ever get a call from “Fraud Prevention Services” know that our watchdogs are doing their job and preventing potential fraudulent use of your card.  When applicable a fraud advisor with Fraud Prevention Services will leave a voicemail message letting you know that they need to discuss an important matter with you regarding activity on your card ending in (last 4 digits) and to contact them at 866-842-5208 to prevent difficulties with your card.

If you’re planning to travel out of state or abroad, contact us with the dates of your trip and destination so we can note it in our system. Fraud is serious business, and can hit anytime. That is why we are always on guard to detect and prevent fraud from happening to you.

If you experience problems using your SWOFCU Visa Check (Debit) Card outside of our regular business hours you may contact Fraud Watch at 1-866-842-5208 for assistance.


Verified by Visa

As a valued member we are pleased to offer you Verified by Visa.

“Verified by Visa” provided in association with Verified by Visa International, protects your card against unauthorized use when you shop online at participating retailers.  If you make a purchase in a shop, you enter a PIN number or sign a receipt to validate the transaction  Verified by Visa mimics this process over the Internet by providing a digital receipt that you sign off with your own personal password.  No need to enroll you are automatically enrolled and instantly receive the extra layer of protection that Verified by Visa provides.


To report a lost or stolen SWOFCU Check/Debit Card after hours please call 1-800-791-2525.

Stop by either of our branch locations to order either the SWOFCU Check/Debit Card or SWOFCU ATM Card.