(Actual ATM and ATM/Visa Check Card)

IMPORTANT MESSAGE FOR MEMBERS WITH ATM/DEBIT CARDS

The government is requiring all financial institutions to comply to a new Overdraft Regulation that asks the member/customer to "Opt In" in order to have overdraft coverage.  Our ATM and every day debit card transactions are not authorized to pay overdrafts, instead the transaction will be declined if there are not sufficient funds for the transaction.  However, there are times where the transaction will post to the account allowing it to go negative causing an overdraft situation.  In order to honor your ATM/Debit card should you overdraft, we need you to request overdraft coverage by completing our Overdraft Coverage Opt In form.  If we do not receive the form by July 1, 2010, the card will be restricted until we have a form filled out and signed. 

To request overdraft coverage for your ATM withdrawals and every day debit card purchases, or for information about other alternatives we offer for covering overdrafts please; stop by our office, call us at (308) 432-2588, or click here (requires Adobe) to print off a form to send to us at 126 East 3rd, Chadron, NE  69337.

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:

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:

Members will be allowed to withdraw up to $500 per day.

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  When you do this, the money will be instantly withdrawn from your checking account.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.

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

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:

   Send mail to chadronfcu@chadronfcu.com with questions or comments about this web site.    Last modified: 03/31/09