The following services are available through use of your ATM and Visa Checkcard:


You may withdraw cash from your checking account(s), savings account(s), and NOW account(s).


You may transfer funds between your checking and savings accounts, and savings and NOW accounts.


NETWORK.  Your ability to perform the transactions or access the accounts set forth above depends on the location and type of ATM you are using and the network through which the transaction is being performed.  A specific ATM or network may not perform or permit all of the above transactions.


Besides being able to use your ATM or Visa Checkcard at our ATM terminals, you may access your accounts through the following network(s):  NETS, CIRRUS, ACCESS EXCHANGE.



You may use your ATM or Visa Checkcard to purchase goods and services from merchants that have arranged to accept your ATM or Visa Checkcard as a means of payment (these merchants are referred to as “Participating Merchants”).  Some Participating Merchants may permit you to receive cash back as part of your purchase.  Purchases made with your ATM or Visa Checkcard, including any purchase where you receive cash, are referred to as “Point of Sale” transactions and will cause your ‘designated account’ to be debited for the amount of the purchase.  The designated account for Visa Checkcard transactions is your checking account. 


In addition, your Visa Checkcard may be used at any merchant that accepts Visa debit cards for the purchase of goods and services.  Your card may also be used to obtain cash from your designated account at participating financial institutions.


Each time you use your Visa Checkcard, the amount of the transaction will be debited from your designated account.  We have the right to return any check or other item drawn against your account to ensure there are funds available to pay for the Visa Checkcard transactions.   We may, but do not have to, allow transactions which exceed your available account balance or, if applicable, your available overdraft protection.  If you do, you agree to pay the overdraft.


PIN-LESS DEBIT TRANSACTIONS-Visa®.  When you use your card with a Visa® logo on the network(s), the transaction may be processed as a debit transaction without requiring PIN.  Transactions that are completed as PIN-less debit transactions will not be processed by Visa® and may post to your account as an ATM or Debit transaction rather than a Visa® purchase.  Transactions processed in this manner may not qualify for Visa® rewards or points as they are not processed by the Visa® network.


Transactions completed as PIN-less debit transactions include, but may not be limited to, government payments, utilities, and property management fees.


CURRENCY CONVERSION-Visa®.  When you use your card with the Visa® logo at a merchant that settles in currency other than US dollars, the charge will be converted into the US dollar amount.  The currency conversion rate used to determine the transaction amount in US dollars is a rate selected by Visa® from a range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa® itself receives, or the government-mandated rate in effect for the applicable central processing date, in each instance, plus or minus any adjustment determined by the issuer.  The conversion rate in effect on the processing date may differ from the rate in effect on the transaction date or the posting date.





CASH WITHDRAWAL LIMITATIONS – You may withdraw up to $500.00 through use of ATMs in any one day.



CASH WITHDRAWAL LIMITATIONS – You may withdraw up to $500.00 through use of ATMs in any one day.  


POINT OF SALE LIMITATIONS – You may buy up to $1000.00 worth of goods or services in any one day through use of our Point of Sale service.



The terms of your account(s) may limit the number of withdrawals you may make each month.  Restrictions disclosed at the time you opened your account(s), or sent to you subsequently will also apply to your electronic withdrawals and electronic payments unless specified otherwise. 


We reserve the right to impose limitations fro security purposes at any time.


LIMITS ON TRANSFERS FROM CERTAIN ACCOUNTS.  Federal regulation limits the number of checks, telephone transfers, online transfers and preauthorized electronic transfers to third parties (including Point of Sale transactions) from money market and savings type accounts.  You are limited to six such transactions from each money market and/or savings type account(s) you have each month for purposes of making a payment to a third party or by use of a telephone or computer.




The use of any electronic fund transfer services described in this document creates certain rights and responsibilities regarding these services as described below.


TRANSACTION RECEIPTS.  Depending on the location of an ATM, you may not be given the option to receive a receipt if your transaction is $15.00 or less.  Upon completing a transaction of more than $15.00, you will receive a printed receipt documenting the transaction (unless you choose not to get a paper receipt).  These receipts (or the transaction number given in place of the paper receipt) should be retained to verify that a transaction was performed.  A receipt will be provided for any transaction of more than $15.00 made with your ATM or Visa Checkcard at a Participating Merchant.  If the transaction is $15.00 or less, the Participating Merchant is not required to provide a receipt.

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