ATM/Debit Cards

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(Actual ATM and ATM/Visa Check Card)

Our free ATM and ATM / Visa Check Cards are now available to members.  Just stop by the office or call to have us mail you an application for either our ATM or ATM / Visa Check Card.  Anyone may apply for our ATM or ATM/Debit card, however members 19 and younger must have and adult joint owner sign the application.  Only members with a checking account may apply to get a ATM / Visa Check Card.  If you do not have a checking account but would be interested in setting one up to be able to use the Visa Check Card you can visit our Saving information page.

ATM Cards*

Our ATM cards are available to everyone.  With the ATM card, you will be able to go to an ATM machine and:

bulletWithdrawal money from any account that you have specified
bulletTransfer money between any of the accounts that you have specified
bulletGet a Balance Inquiry from any of the accounts that you have specified
bulletChange you PIN

We have an ATM located next to our drive-thru lane.  The ATM card will work on any ATM machine that has the following logos:

bulletFastBank
bulletInterlink
bulletPlus
bulletCirrus
bulletVisa
bulletMasterCard
bulletDiscover
bulletAmerican Express

Members will be allowed to withdraw up to $500 per day.  Each day starts over at 3:00 pm MT (5:00 pm Eastern) not midnight. 

ATM / Debit Cards*

This card will allow members with checking accounts the ability to use this card as both an ATM card and a Visa Check Card (Debit Card).  Members will be able to use this card anywhere Visa is accepted.  You can use it to fill up on gas, buy items at the store, and even purchase items on the internet.  When you do this, the money will be instantly withdrawn from your checking account.  It is a convenient alternative to writing checks.

Members will be allowed to purchase up to $1000 per day.  Each day starts over at 3:00 pm MT (5:00 pm Eastern).

There are 2 different types of transactions that can occur when using your check card. 

bulletPIN based transactions occur when you use your PIN to finalize a transaction.
bulletSignature based transactions occur when you use your signature to finalize a transaction. 

PIN based transactions can occur when you swipe the card yourself.  You can choose Debit Card, and then enter you PIN to finalize the transaction.  You will tend to see this option of paying at merchants like Wal-Mart, Target, or Home Depot.  However, when using the card as a Debit Card, there will be a foreign ATM fee.

Signature based transactions occur when you use it as a credit card, or when you hand your card to a cashier.  Then you will either have to sign a receipt or a screen.  Almost all internet transactions are ran as credit cards as well.  The kinds of places it will be used as a credit card will be small businesses, hotels, food places.

*The ATM & ATM/Debit Card will not work if you have a loan payment 20 or more days past due

IMPORTANT!  All members with a ATM/Debit Card are required to enroll in the Verified by Visa program.  It is a free service designed to provide cardholders an additional level of security for their online purchases.  Please click on the logo to enroll.

FOR LOST OR STOLEN CARDS PLEASE CALL OUR OFFICE OR 1-800-264-5578

Fees:

bullet$5.00 fee to re-issue a lost, stolen, or damaged card.
bullet$1.50 for foreign ATM withdraws.
bullet$1.50 for PIN based Debit Card transactions.

 

                                            

   Send mail to chadronfcu@chadronfcu.com with questions or comments about this web site.    Last modified: 07/26/06