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

Explore Your Payment Options

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

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

For TVA Employees Only

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

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.

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