FREQUENTLY ASKED QUESTIONS (FAQ’S)

Q: Why can’t I access my savings account with my Visa® Check Card?
A: Our Visa Check Card is a “checking” account access card. Money would need to be transferred from your share/savings to your share draft/checking in order to access it using your Visa Check Card. The Credit Union is exploring a new card for share/savings access.

Q: Are my Visa Check card transactions in real-time?
A: No. Our Visa Check Card is not “live”, it is “batch”. What this means is that we will not debit your account the moment that you use the ATM machine or pay for merchandise; instead it will come out of your account a few days later. This also means that we have to send a batch balance update for all account balance changes. Since this balance update is a batch, it can only be updated during business hours. This can delay the availability of funds you’ve deposited when using your Visa Check Card.

Q: Are there limits on the use of my Visa Check Card?
A: 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.

Q: If I do not have funds in my share draft/checking account and I use my debit card – will the funds come out of my savings to cover the transaction?
A: All Visa Check Card transactions attempt approval based on the amount available in the share draft/checking account only. If the money is not in the share draft/checking account, the transaction will be declined. If you think that you may need to use your Visa Check Card and you do not have the funds in the share draft/checking, you may want to transfer money from your share/savings before you attempt to use your Visa Check Card. If the money is in the share draft/checking account, the transaction will be approved.
In addition, since Our Visa Check Card is not “live”, it is “batch”; the transaction will post to your account a couple days later. This may result in your account not having enough money in it to cover the transaction, possibly because other checks or withdrawals have come out of your account before the transaction. In this case, the money may overdraft transfer from your share/savings account to cover the transaction based on availability in your share/savings and “Regulation D”. For more information on “Regulation D” click here.

Q: Can I transfer money to another account number on Bucks On-Line?
A: Yes. In order to do this, you will need to log into the account that you would want the money to come from and complete a “Cross Acct App” with the number that you would like the money to go into. Once we process the “Cross Acct App” (usually that business day), you can click on the “Transfer Funds” link on the left-hand side. You will see that you have “Other Accounts” listed in the “Transfer To Account” field.

Q: Does “Regulation D”(maximum of 6 transfers per month) apply to transfers from my vacation club to my share draft/checking?
A: “Regulation D” applies to all savings accounts – whether vacation club, primary share/savings or secondary share/savings. For more information on “Regulation D” click here.

Q: When using my Visa Check Card, do I use my PIN or should I sign?
A: Bucks First FCU advises you to sign at all point of sale transactions whenever possible. Signing for purchases offers more security than using one’s PIN in a crowded check-out aisle. Enter your PIN only if you want to take advantage of a cash back option (if available) or you are at an ATM machine and need cash.

Q: How many Visa Check Card transactions am I allowed to do in one day?
A: If you are using the card at a merchant, you are allowed 9 transactions in one day. This allows you to go to the outlets and shop, shop, shop!

Q: What is the daily maximum that I can withdraw from an ATM machine using my Visa Check Card?
A: The daily ATM limit on our card is $500.00. Please realize that you may not be able to take that from one ATM machine since some machines have their own limit of $200.00-$400.00. Also, keep in mind that if the ATM machine has a surcharge, this amount is included in your daily limit.

Q: How do I reset my Bucks On-Line password?
A: If you get a message that tells you that you are locked out when you are trying to log onto Bucks On-Line, you can click on the “Forgot Password?” link on our Home page.

Once you click on the link, you will need to put in your account number and your email address. “The email address you enter here must match the address previously saved in home banking.” If it does not match, you will get a message stating “Email you entered does not match previously saved address.” and you should email member services at . If your email address does match, you will be emailed a new password immediately to that email address. You will be required to change it the first time you log in with that new password.

If you email member services at , your password will be reset to the last four of your SSN within the next business day. Member services staff will send you an email once your account has been reset.

Q: Does Bucks First FCU provide charitable donations and/or support any local organizations?
A: Yes, the Credit Union has donated to many causes in the past 70+ years including local as well as national charities. If you or someone you know would like to request a donation towards a charitable cause or event, please click here to download a donation request form.