ATM Card, Visa Debit Card, and Visa Credit Card

What is the difference between an ATM Card, a Visa Debit Card and a Visa Credit Card?

An ATM Card provides access to your Savings or Checking Account at ATM machines, or wherever the Interlink logo is found.

A Visa Debit Card is available to members with a Western Checking Account. It is an ATM Card that provides access to your Savings or Checking Account at ATM machines. Plus, it allows you to make purchases everywhere Visa debit cards are accepted. The purchase amounts are deducted from your Checking Account.

A Visa Credit Card provides access to a line of credit and allows you to make purchases and cash advances everywhere Visa credit cards are accepted.

How long does it take to receive my ATM Card, Visa Debit Card, or Visa Credit Card?

Approximately five to seven business days after we receive your application.

Can I order an additional Visa Debit Card for my spouse?

Yes, as long as he/she is a joint owner on your account.

What do I do if my ATM Card, Visa Debit Card, or Visa Credit Card is lost or stolen?

In the event any of your Western cards are lost or stolen, please call one of the following numbers immediately.

• For ATM Cards or Visa Debit Cards
  310-381-2300 or 877-254-9328, option 4
  
  For Visa Credit Cards
  During business hours:
  (Monday - Friday, 7:00 am to 6:00 pm, PT)
  310-381-2300 or 877-254-9328, option 4
  
  After business hours, holidays, or weekends:
  800-453-4270
  
  Outside the U.S. call: 727-570-4881
  

Do deposits made at ATMs have a hold placed on them?

Yes, deposits made at Western ATMs may have a 2-day hold placed on them, however, the first $100 of your deposit will be available immediately. Deposits at non-Western ATMs will have up to a 5-day hold placed on them.

How do I dispute a transaction made with my ATM Card, Visa Debit Card, or Visa Credit Card?

For assistance with your particular situation, please call our Member Support Center at 310-381-2300 or 877-254-9328, option 4.