 | When you receive your card, sign
the back of your card immediately.
|
| Your card will not work until it
is activated. To activate your card, you must go to an ATM machine,
insert your card and enter with the Personal Identification Number
(PIN) assigned to you. Select the option “Balance Inquiry.” You will
know your card has been activated successfully if your receipt gives
you a balance.
|
| Memorize your PIN. NEVER carry
your PIN with your ATM or Visa Check Card. You may change this
number at the ATM machine or by filling out a form at the credit
union.
|
| If you enter an incorrect PIN
three (3) times, the system will automatically block your card and
you will have to need to contact the credit union to have your card
and PIN reset.
|
| Adult members (ages 18 and older)
may withdraw up to $250 per day from an ATM machine, if there are
sufficient funds in the account. Teen members (ages 13-17) may
withdraw up to $100 per day from an ATM machine, if there are
sufficient funds in the account.
|
| Members ages 18 and older may make
PIN-based Point-Of-Sales (POS) purchases from merchants with their
ATM Card, provided they have a Checking Account, up to $500 per day,
if there are sufficient funds in the account. Members ages 13-17 may
make these transactions up to $250 per day, if there are sufficient
funds in the account. POS transactions are those in which you enter
your PIN at the time of purchase.
|
| Members ages 18 and older may make
purchases with the Visa Check Card from merchants, up to $1,000 per
day, if there are sufficient funds in the account. Teen members
(ages 13-17) may make purchases with the Visa Check Card up to $250
per day, if there are sufficient funds in the account. When you use
your Visa Check Card at a store, swipe your card and choose the
“CREDIT” option. Sign your name, take your receipt and you’re
finished.
|
| The balance given at the ATM
machine may not be your most current balance. This is why it is very
important to record ALL transactions in the account register you
received. Any Visa Check Card or ATM transactions you complete with
a PIN will post immediately. If you’ve used your Visa Check Card to
make a POS purchase, it may not post for another 48 hours, but could
reflect in the balance. Checks you have written that have not yet
posted will not appear immediately on your ATM balance.
|
| Through the Alliance One and
Credit Union 24 ATM networks, you have access to more than 50,000
SURCHARGE-FREE ATMs nationwide. You also have access to ATMs in the
STAR and PLUS networks.
|
| If there is a transaction fee at
other institutions, a message will appear on the ATM machine to ask
you if you want to proceed with your transaction.
|
| When you deposit a check through
the ATM, you are allowed up to $100 cash back, if there are
sufficient funds in the account.
|
| Receipts need to be kept until you
balance your account.
|
| If your card is lost or stolen or
your card number has been compromised, you must report it
immediately. For either ATM or Visa Check Cards, call SELCCU during
business hours or call 800-523-4175 after business hours.
|
| If you have a dispute with a
merchant when you have used your ATM or Visa Check Card, call SELCCU
for assistance. We will help you with dispute resolution. Some
examples of disputes are: unauthorized use, a different amount
posting to your account than you signed for, non-receipt of
merchandise ordered by phone or on the Internet, no cash or an
incorrect amount of cash dispensed from an ATM machine, etc.
|
Steps
for using an ATM machine: 
