ATM / Check Card
FREE - The PALCO Check Card works just like a credit card, but instead of receiving a bill each month, the funds are debited (deducted) directly from your Checking account. It gives you all of the conveniences of a credit card, but no monthly bill. Withdrawal cash from your savings or checking account for free using an ATM from over 55,000 locations. Pay at the pump when you buy gas, or use it at the mall or grocery store. The PALCO Check Card uses the MasterCard® network. Use your Check Card at millions of locations worldwide.

Presenting MasterCard® SecureCode®
MasterCard SecureCode — an online security service to guard you against unauthorized use of your MasterCard card while shopping online at participating merchants. There is no need to get a new card, no software to download, no cost, and no hassles... just added security.

Once enrolled in this service, you'll have added confidence knowing that MasterCard SecureCode performs an extra authentication step to protect your account from unauthorized users online. For more information or to register your PALCO Check Card today click here. To view a list of participating merchants click here.

Surcharge-Free ATM Access
The Allpoint Network is a surcharge-free network of ATMs with over 55,000 locations! Because our financial institution is a member of the Allpoint Network, these locations are surcharge-free to all of our cardholders. Allpoint Network Surcharge-Free ATMs are conveniently located at destination retailers like CVS, Target, Walgreens and many more! Find an ATM near you by downloading the Allpoint mobile app on the App Store and Google Play Store or by visiting Allpoint online.

We also offer surcharge-free ATM access through the CU$ network. You can look up surcharge-free CU$ ATMs by visiting And now through the Accel® network by visiting Accel® ATM Locator. Use this locator to find Accel® surcharge-free and deposit-accepting ATMs in the U.S.

Just Say "Credit"
Even though your check card is a debit card, when the merchant asks, “credit or debit,” just say “credit.” You should do this for two reasons. First, when you use your check card as a credit card, you will be asked to sign your receipt. Your signature makes that receipt a legal document. If you ever have a dispute, your receipt verifies that you made the purchase on a specific day and for a specific amount. This simply adds to your safety when shopping.

Second, by saying “credit” you will be helping your credit union. A debit transaction is conducted through a different network than a credit transaction. PALCO has to pay for every debit transaction, including ATM withdrawals. By choosing credit, PALCO is not charged for the transaction. Regardless of which transaction you choose, your account is not charged any fees.

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