A Kern Schools ATM or Visa® Check Card gives you access to your funds on the go. Use your card at more than 30,000 surcharge-free ATMs in Kern County and across the nation!

ATM Card

When you open a Kern Schools account, you may also request an ATM Card. With a Kern Schools ATM Card, you have the ability to access your funds through an ATM (transfers, withdrawals, deposits, and balance inquiries) and make PIN purchases from your checking account(s).

  • CO-OP ATM LOGOCO-OP ATM℠ Network: Eliminate the worry of ATM access when traveling or on vacation! Enjoy surcharge-free access to over 30,000 ATM locations both in Kern County and across the nation. Visit the CO-OP Network site or download the CO-OP ATM Locator app to your smartphone to find available ATM locations.
  • Use your card at one of the many Kern Schools ATM locations in Bakersfield and Kern County.

Visa Check Card

Compliment your Kern Schools checking account with a Visa Check Card. A Visa Check Card allows you to access your funds through an ATM (transfers, withdrawals, deposits, and balance inquiries) and make PIN and signature purchases directly from your checking account no matter if you’re in the Kern County area or traveling across the country.

  • Use the card wherever Visa is accepted.
  • As convenient as writing a check but without all the fuss.
  • Can be used as debit (PIN) or credit (signature) transactions.

Debit purchases require your PIN and allow cash back. Credit purchases require your signature.

Debit Vs. Credit

Your Kern Schools Visa Check Card can be used at more than 30,000 surcharge-free ATMs and at many of your favorite retail stores to make purchases and get cash back. However, what are you supposed to do when you have the option to choose “debit” or “credit” while making a purchase?

  • Can purchase up to your available account balance.
  • Must sign for your purchase.
  • Have funds held and later deducted from your Kern Schools checking account.
  • Have stronger return rights – if a merchant refuses to refund your money, you may have chargeback rights from Visa.
  • You don’t have to enter a Personal Identification Number (PIN) for identification.
  • Can purchase up to your available account balance (cash-back is limited).
  • Must enter your PIN.
  • Have funds immediately deducted from your Kern Schools checking account.

 

Love shopping online, but hate all the hassles when it’s time to pay?

Buy online without re-entering your card number and shipping details on all websites where Visa Checkout is accepted. And, you can access your account using just your email address and password — all from your computer, tablet, or smartphone.

Learn more about Visa Checkout and how to enroll by clicking here.

Kern Schools Suite of Apps

Card Alerts

With Kern Schools Card Alerts, you have the ability to receive text, push, and email notifications when your Visa Check Card has been used:

  • In a transaction which exceeds a set dollar limit.
  • Without the card being present (i.e. online, mobile, or phone purchases).
  • In a foreign country.
  • In a transaction which has been declined
  • At a gas station.
  • To withdraw cash from an ATM.

You have full control of the alerts you receive, as all settings are fully customizable!

Download The App To Your Phone

To download the app, simply visit the App Store on your Apple® or Android™ device and search for Kern Schools Card Alerts.

If you do not have a compatible smartphone you can also enroll in Kern Schools Card Alerts by visiting ksfcu.org/cardalerts and following the instructions to set up a Card Alert online account. You can then select text and/or email alerts by choosing from the same options available on the smartphone app!

Mobile Wallet

Securely use your Kern Schools Visa Check Card through Apple Pay®, Android Pay™, and Samsung Pay® to make purchases at over 220,000 merchants and stores!

Using Mobile Payment Systems are easy!
Click below to learn how it works.

For Apple Pay:

Start by enrolling your Kern Schools Visa Check Card in Passbook. Doing this requires you to have an iPhone 6®, iPad Air 2®, or iPad Mini 3®. Within these products, simply go to “Settings,” open “Wallet,” then select “Add Credit or Debit Card” to enroll your Kern Schools Visa Check Card.

To Use:

  • Look for the contactless symbol at the register.   Contactless Icon
  • When the cashier is ready for you to pay, hold your iPhone near the contactless reader with your finger on the “Touch ID” button.
  • A subtle vibration or beep verifies your payment information has been sent.

For Samsung Pay:

Simply download the “Samsung Pay” app, if it is not already installed on your phone, and add your Kern Schools Visa Check Card! Doing this requires you to have a Galaxy Note5 or Galaxy S6 and above.

To Use:

  • When the cashier is ready for you to pay, place your fingerprint on the “Home” button or enter your PIN number. Then, hold your device near the contactless payment terminal or align the camera to face the magnetic stripe card reader.
  • A subtle vibration or beep verifies your payment information has been sent.

For Android Pay:

Download the “Android Pay” app, if it is not already installed on your phone, and add your Kern Schools Visa Check Card! Doing this requires you to have an Android 4.4 and an NFC chip.

To Use:

  • Look for the contactless symbol at the register. Contactless Icon
  • When the cashier is ready for you to pay, hold the back of your Android phone against the contactless payment terminal.
  • A subtle vibration or beep verifies your payment information has been sent.

Apple, the Apple logo, iPhone, and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.
Android, Android Pay and Google Play are trademarks of Google Inc.
Samsung, Samsung Pay, Samsung Galaxy S6, and Samsung Galaxy Note 5 are registered trademarks of Samsung Electronics Co., Ltd.

Traveling out of the country?

Traveling out of the country? Access your Kern Schools account wherever you go! Your Kern Schools ATM and Visa Check Cards are not just limited to the U.S., they are accepted worldwide. Just let us know your travel dates and destination prior to your departure, and we will make sure access to your funds remains uninterrupted.

Informing Kern Schools of your travel plans will also allow for additional fraud protection. Simply contact us on Live Chat, visit any of our conveniently located branches, or call our Communications Center at (661) 833-7900 or (800) 221-3311 (if outside of Bakersfield) for further assistance, and we will get you ready for your long awaited trip!

Please note ATM/Debit Card Blocked Countries:
Due to regulations from the U.S. Office of Foreign Assets Control (OFAC), the following countries are blocked from any transactions conducted through your ATM and Visa Check Card.

• Cuba
• Iran
• Sudan
• Syria

Foreign Fees
Foreign Transaction Fee: A foreign transaction is a currency conversion fee. All transactions on U.S. issued check cards are posted in U.S. dollars and charged a one percent (1%) fee for the currency conversion.

International ATMs: Please be aware of possible surcharges from the institution in which you are withdrawing funds.