Our Visa® business debit card works like a check, only better. You're free to use it with no monthly service charge to make purchases wherever Visa is accepted. The funds are taken directly out of your checking account, which eliminates check-writing and identification hassles. Your debit card doubles as an ATM card, too, giving you surcharge-free access to ATMs anywhere, 24 hours a day. All applicants must have a checking account in good standing with Willamette Community Bank.