Debit/ATM Cards

Personal & Business MasterMoney Debit Cards

Enjoy the convenience of using your Oconee Federal debit card or photo debit card to make purchases anywhere MasterCard™ is accepted. Every purchase is withdrawn directly from your checking account and appears on your monthly statement. You can also track debit transactions online or via mobile banking.  Contact a Customer Service Representative about obtaining your debit card today.


Manage Your Card with Your Phone

Now you can have control over your debit card from the convenience of your mobile device. Use our Mobile Banking APP to turn your card off if you misplace it, and back on when you find it. You can also control where the card can be used to avoid out-of-state/country fraud. It even lets you set a budget for the card and stops over-budget purchases. To get started, download our Mobile Banking APP. Once you're logged in, check on “Manage My Cards”.

App-Store-Apple  App-Store-Google-Play

Earn Rewards with Your Debit Card

Earning rewards with your debit card is easy with our uChoose Rewards program. You can earn points on everyday purchases and can earn even more points with featured, online specials. Redeem your points for merchandise, travel, and gift cards! Register your card, track your rewards, check for online specials, and redeem your points at

Touchless Payments with Mobile Wallet

Mobile wallets are a simple and safe way to use your smartphone to make purchases with your debit card at participating locations. Just load your Oconee Federal debit card in the mobile wallet on your phone, and you’re on your way to an easy way to pay. Using a mobile wallet helps keep your payment information secure by utilizing encryption for each transaction.

Chip Card Security

Oconee Federal’s debit cards use chip card technology in addition to the standard magnetic stripe. At payment locations that accept chip cards, you’ll be asked to insert your card into the terminal rather than swipe it. Chip cards give you greater fraud protection than the old magnetic stripe technology.


ATM Card

If you just want the basics, we offer enhanced ATM cards for your banking needs to withdraw money from your checking or savings account at Oconee Federal. Utilize your enhanced ATM card at any terminal that accepts PIN based card transactions. Contact a Customer Service Representative about obtaining your ATM card today.

  • Use at any Oconee Federal ATM or 55,000+ surcharge-free ATM locations
  • Use your ATM card for purchases at any merchant terminal that accepts PIN based card transactions
  • Receive Cash Back on your PIN Based Transactions

Tips for Using Your Debit and ATM Card

  • Keep track of your card and report a lost or stolen card immediately!
  • Check your account often. Know what you purchased and where you purchased.
  • Memorize your PIN number and never share it with anyone.
  • Don’t write your PIN on your card or keep it in your wallet.
  • Verify purchase amounts are correct before entering your PIN or signing.

Debit or ATM Card Help

Questions about your debit card? During business hours call Oconee Federal at 1-888-910-2265. After hours or weekends for immediate help for a lost or stolen debit or ATM card call 1-800-554-8969.


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Please guard your personal banking information. Oconee Federal would NEVER text, email or call you and ask for your account information. When in doubt, contact us at 864-882-2765 or 1-888-910-2265 to verify any requests.

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