VISA® Check Card

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What is a Visa Check Card?
A credit union Visa Check Card is a convenient, quick, and easy way to access your checking account without a checkbook, to make purchases or obtain cash at automated teller machines like these Non-Surcharging ATM Locations.

It combines the conveniences and acceptance of cash, the safety and economy of a check, and the speed of an ATM card. A Visa Check Card actually works like a check giving you access to funds in your checking account without the hassle of writing a check or waiting for check approval.

How does it work?
Your credit union Visa Check Card is a welcome alternative to cash or check at any merchant location worldwide that accepts Visa, or any ATM location displaying the Visa logo. Instead of carrying cash or writing a check in the checkout line simply give the merchant your Visa Check Card. You will sign a receipt to confirm the purchase and a copy of the receipt will be given to you for ease in recordkeeping. Use the receipt to record purchases or ATM Cash advances made using your Visa Check Card, in your check register. The purchase amount will automatically be deducted from your checking account balance and every transaction is detailed on your checking statement.

What are the advantages of a Visa Check Card?
Unlike traditional checks, a Visa Check Card is hassle-free, providing an alternative to conventional check use. When you use a credit union Visa Check Card there's no check to write. No checkbook or additional identification to carry. No delays waiting for check approval.

Whether it's taking care of your grocery list, filling up the gas tank, picking up a last minute birthday gift or paying for lunch in a restaurant the credit union Visa Check Card is perfect for everyday purchases.

Benefits:

• easier and faster to use
• more convenient to carry than a checkbook
• safer than carrying cash
• more universally accepted by merchants around the world
• no need for additional identification
• eliminates cumbersome check approval process in the checkout line
• purchase payment flexibility and everyday convenience
• widely accepted wherever the Visa logo is displayed
• access to cash day or night at ATM locations worldwide that display the VISA and/or Plus System logo

Is a Visa Check Card like a credit card?
No. With a credit card you are actually borrowing money against an established line of credit which you must repay, either all at once or in the form of extended payments.

A Visa Check Card is another way to make your checking account more flexible. When you make purchases or take an ATM cash withdrawal with your Visa Check Card, you are accessing funds available in your checking account. Transactions are automatically deducted from your checking balance so you must insure that sufficient funds are available in your checking account for purchases or cash withdrawals. No interest or finance charges are paid on Visa Check Card transactions.

Will the Visa Check Card eliminate checks?
Not necessarily. For some transactions, such as a mortgage payment, rent or other bills paid by mail, a checks may be the easiest way to make the Payment. Your Visa Check Card is not intended to completely eliminate the use of checks, but rather to be used to enhance your checking account, giving you more flexibility and value added Convenience.

Are there limits on the use of my Visa Check Card?
Yes. To prevent fraud on your account, there are daily limits imposed on the use of your Visa Check Card. Those daily limits are: Any combination of (9) or $2,500 in ATM or point of sale transactions. If these limits have been met, any further transactions will be denied.

Is there a fee to use my Visa Check Card?
No, the Visa Check Card is FREE for unlimited use.

Applying is Easy! Just complete the online application. It takes only a few minutes to apply!