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Imagine getting through life without ever having to dig for change or having to write a check. Use your free Visa® debit card for purchases around the globe and online.

Our debit card is safer than carrying cash and more readily accepted than checks. The very same card is used to make ATM withdrawals. One tiny piece of plastic; a whole lot of versatility.

  • Fast, free and easy
  • Safer than carrying cash
  • More convenient and safer than checks
  • Eliminate cost of purchasing checks
  • Make purchases anywhere Visa debit cards are accepted
  • 24/7 access to funds via ATMs
  • Connect live with a personal teller at our any of our Interactive Teller Machines (ITMs)
  • ITMs available 7 a.m. - 7 p.m. Monday - Saturday
  • If your card is lost or stolen, please call 866-234-6436

Explore Your Payment Options

We offer other easy ways to pay — learn about our mobile payment options.

Standard Cards

Our two standard card designs are shown below.

Standard Personal Card  Standard Business Card

Community Card Designs

We offer six unique debit card designs, with two each from three different communties; art, outdoor and tech. If you'd like a card that stands out from everything else in your wallet, ask us for one of the six designs shown below.

Art - painter's palette

Painting Card

Art - electric guitar

Guitar Card

Outdoor - whitewater rafting

Rafting Card

Outdoor - rock climbing

Climbing Card

Tech - 3D printer

3D Print Card

Tech - bullet train

Train Card 
Athens (ITM and ATM access) 1314 Decatur Pike
Dayton (ITM and ATM access) 420 South Market Street
Downtown Chattanooga (ATM access) 715 Market Street 
Eastgate (ITM and ATM access) 491 Greenway View Drive
East Hamilton Food City (ITM and ATM access) 1667 Ooltewah-Ringgold Road
Fort Oglethorpe (ITM and ATM access) 200 Alamar Street 
Hamilton Place (ITM and ATM access) 7442 Commons Boulevard
Highway 58 (ITM and ATM access) 4974 Highway 58
Hixson (ITM and ATM access) 5150 Austin Road
Kimball (ITM and ATM access) 405 Dixie-Lee Center Road
North Cleveland (ITM and ATM access) 180 Stuart Crossing NE
Ooltewah (ITM and ATM access) 6020 Relocation Way
Red Bank Food City (ITM and ATM access) 3901 Dayton Boulevard
Ringgold (ITM and ATM access) 35 Poplar Springs Road
Soddy Daisy (ITM and ATM access) 9381 Dayton Pike
South Cleveland (ITM and ATM access) 2440 Treasury Drive SE
Chattanooga State Community College (ATM access) Student Center – 4501 Amnicola Highway

For TVA Employees Only

TVA COC (ITM and ATM access)
TVA Sequoyah (ATM access)
TVA Watts Bar (ATM access)

co-op-network Tennessee Valley Federal Credit Union is a part of the CO-OP surcharge free ATM network. Find a surcharge free ATM near you.

There is a $1.00 fee from the Credit Union for each transaction on a foreign network ATM. Other financial institutions may also charge a fee for the use of their ATMs.

Video Banking

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