ATM/Visa Debit Cards

With your ATM/Visa Debit Card, you can easily access your funds 24 hours a day.  More benefits of using a Visa ATM/Debit card include:

  • Free and unlimited access at all Members Heritage ATM locations. (See our ATM locations below.)
  • Five (5) free transactions each month at non-Members Heritage ATMs (other surcharges may apply).
  • Pay no surcharges at Alliance One Network ATMs (other fees may apply).
  • Visa Debit Card purchases are deducted from your Share Draft Checking account.
  • ATM Card may withdraw from your Share Savings or Share Draft Checking account.
  • Daily ATM withdrawal limit: $406. Daily Visa Debit Card purchase limit: $1,500.
  • Our ATM Card system is part of the Cirrus, Accel/Exchange, and Star Networks.

When using your Debit Card Internationally, please remember to use your PIN.  All other Debit Card transactions will be blocked for your protection.  Due to a large volumes of fraud, Saudi Arabia is completely blocked for all transactions for your protection.

MobiMoney – The App that puts you in control of your Debit Card!  For information on how to protect your debit card, click here!

locate an ATM near you




Beginning July 7 2021, when your Debit Card expires, we will reissue our membership new contactless cards. What does this mean?  See our frequently asked questions below.  This is for reissued cards only.


Q: What is a contactless card?

A contactless card uses short-range wireless technology to make secure payments between a contactless card and a contactless-enabled checkout terminal. When you tap your card near the Contactless Symbol, your payment is sent for authorization. There is no need to swipe, dip or insert your card.

Q: Is tapping to pay secure?

Yes, absolutely. Your contactless card uses the same secure encryption technology as your current EMV chip card. Each transaction is accompanied by a one-time code that securely protects your payment information.

Q: Where can you use the tap to pay feature?

Retailers that accept contactless payments will display the Contactless Symbol.

Look out for it wherever you shop.

Q: How long do I need to tap my card on the checkout terminal?

One to two seconds should do it. And don’t worry, even if you tap twice, you won’t be charged twice.

Q: Can a purchase be made without my knowledge?

No. Your card has to be extremely close to the reader – typically between two and four centimeters and the retailer must have first entered the amount for you to approve. The card reader cannot be activated by you simply passing by.

Q: Can I use my card for everyday transactions or at non-chip terminals?

Yes. Your contactless card will continue to have contact functionality so it can still be inserted or swiped at merchant locations without tap to pay check out terminals. Additionally, you can continue to use your card information at online merchants.

For more information, please contact our Member Service Call Center at 1-800-359-3466.