Yes. Generally, you can use your card at merchant terminals outside of the US that display the VISA logo and ATMs that display the Cirrus logo.  It is possible that transactions in some countries, however, may be blocked by either Arvest or one of our processing networks for various reasons.  Those blocked countries would include countries with a high risk of fraud (for example, Turkey or some of the Baltic countries in Europe) or countries that the U.S. doesn't do business with (for example: Cuba). 

Transactions function properly in the vast majority of countries around the world.  If you have a question about a particular country, you can contact the bank to find out if they are cleared by Arvest for transactions, but please keep in mind if the Visa network is blocking them, we may not always know in advance.

Regarding fees, the only fees you should incur for using a non-Arvest ATM outside of the United States would be a surcharge by the ATM owner/operator and a non-Arvest ATM fee of no more than $2.  There would be no additional fees involved if you are simply making a purchase in a store or restaurant, etc. with your card.

One last reminder, before you travel away from home, please contact the bank to let us know so that we do not de-actviate your card if there is suddenly activity in a foreign land.  Sudden card use overseas is often a sign of fraud.   Please let us know before any trip if you plan to use your Arvest card.