Is a Check Card easy to use?
It’s not only easy to use - there are no finance charges! You can use it to make
purchases at any retail location that accepts Visa. For cash
advances, simply go to any bank or ATM displaying the Visa logo. The merchant or bank will
handle the transaction just like a credit card transaction, but instead of receiving a
bill like you would with a credit card, the money is taken out of your share draft
account… automatically!
Guidelines for
VISA Check (Debit) Card Usage - Click Here
How do I keep track of my transactions?
Each transaction you make with your Check Card will appear on your regular share draft
statement, complete with the name and location of the merchants or banks with whom you did
business. Please list all transactions in your register as you make them to keep your
account in balance at all times.
Is there a limit on my Visa Check Card?
Yes. The amount available is limited to what you have in your share draft account, or
may also be limited based on ATM authorization limit.
What happens if my card is lost or stolen?
Notify the credit union immediately by calling (518) 583-2323. If it happens after
credit union hours, call Visa at 1-800-872-1712, but always remember to call the credit
union even after notifying Visa.
What are some of the benefits of a Check Card?
Is a Check Card really more convenient than share drafts?
The Check Card is more convenient to use when you’re out of town, or if a check is
not acceptable. The Check Card is also great for mail orders, identification and for
guaranteeing reservations.
How is the card used at ATM’s?
You may make withdrawals at ATM’s that display the VISA logo. You will receive ten
free withdrawals per month; $.75 per withdrawal thereafter. Balances are not available at
ATM’s.
