VISA Check Card/ATM Card
# For Lost Debit Card:
A credit union Visa Check Card is a convenient, quick, and easy
way to access your share draft account without a checkbook, to make
purchases or obtain cash at automated teller machines like these
It combines the conveniences and acceptance of cash, the safety
and economy of a share draft, and the speed of an ATM card. A Visa
Check Card actually works like a share draft giving you access to
funds in your share draft account without the hassle of writing
a share draft or waiting for check approval.
Your credit union Visa Check Card is a welcome alternative to cash
or share drafts at any merchant location worldwide that accepts
Visa, or any ATM location displaying the Visa logo. Instead of carrying
cash or writing a share draft 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 share draft
register. The purchase amount will automatically be deducted from
your share draft account balance and every transaction is detailed
on your share draft statement.
Unlike traditional share drafts, a Visa Check Card is hassle-free,
providing an alternative to conventional share draft use. When you
use a credit union Visa Check Card there's no share draft to write.
No checkbook or additional identification to carry. No delays waiting
for share draft 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
- 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 share draft approval process in the checkout
- 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
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 share draft 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 share draft account. Transactions are automatically deducted
from your share draft balance so you must insure that sufficient
funds are available in your share draft account for purchases or
cash withdrawals. No interest or finance charges are paid on Visa
Check Card transactions.
Not necessarily. For some transactions, such as a mortgage payment,
rent or other bills paid by mail, a share draft may be the easiest
way to make the Payment. Your Visa Check Card is not intended to
completely eliminate the use of Share drafts, but rather to be used
to enhance your share draft account, giving you more flexibility
and value added Convenience.