TMOFCU offers an ATM card and the VISA Check Card.  The VISA Check Card is accepted at over 14 million locations worldwide.
 

VISA Check Card vs VISA Credit Card

The VISA Check Card accesses your checking account just as if you wrote a check, decreasing your checking account balance by the amount of the purchase. The VISA Check Card is just like a plastic check and is limited only by the amount you have on deposit in your checking account.
 
Your VISA Credit Card accesses your line of credit when used for cash advances or purchases. As you use your card you are borrowing against the limit established by the credit union. These amounts then must be paid back when you receive your bill, either in full or a monthly amount. These payments then decrease the amount you owe until the amount you have borrowed is paid in full.