You can also use the VISA® Check Card with your Personal Identification Number (PIN) as an ATM card at over 1,000,000 ATMs world wide to withdraw money from savings or checking, transfer between accounts or check account balances.
VISA® Check Cards are free to qualifying members and they can be instantly issued from any location. Please contact your credit union's membership department for more details on the VISA® Check Card.
Credit or Debit?
Many of you have VISA® Check Cards and face this question every time you take your card out to use it. Credit or Debit? Your answer will determine how the funds are taken from your account. If you say credit, you will be asked to sign a receipt and the transaction is typically faster. As soon as the transaction is authorized, a hold for that amount will be placed on your account for 3 days or until the transaction clears your account, whichever comes first. This will cause your available balance to be lower by the transaction amount. These transactions are posted each weekday afternoon and the average transaction clears on the second or third day. If you say debit, you will be required to enter your four digit PIN and your wait will be slightly longer. The money will come from your account instantly. If you have any questions about your VISA® Check Card, please feel free to e-mail us.
Tips for responsible Visa check card use
- Know your current account balance. Don’t forget about checks that have not yet cleared your account.
- Always take sales receipts and carbon copies.
- Record your transactions in your check register as soon as possible. Remember to include any financial institution fees that may apply. Store your receipts safely in one place in case you need them later.
- Review your statements carefully. If you suspect a mistake, call your financial institution immediately. And always follow up with a confirmation letter.
- If your card is lost or stolen, contact your financial institution immediately. This reduces your liability if fraud losses occur.
- Keep your PIN private. Memorize it. Don’t write it down or write it on your card, and never tell it to anyone.
Lost or Stolen Credit Cards
For lost or stolen credit union VISA® check card call the credit union main number during business hours and after business hours call 1-800-442-4757.
Verified by Visa
Verified by Visa protects your existing Visa card number with a personal password, giving you reassurance that only you can use your Visa card online. Your credit union Visa Check Card is eligible for this program. Learn more or to register your card.
Important Visa Check Card Renewal Information
Shared Resources Credit Union no longer issues multiple Visa Check Cards with the same number. This means that when cards renew, only a renewal card will be mailed to the primary account holder. Joint members will need to come to the credit union to have a new card printed. If you have any further questions regarding this issue, please do not hesitate to contact us.
