Q: What is a ATM/Visa Check Card?
A: As a VISA Check Card, it is widely accepted as an alternative to writing a check. You can use it to pay for purchases at any merchant displaying the logo that appears on your card. The purchase price will be deducted from your Credit Union Share Draft (checking) Account; however, the appropriate funds must be available in your account for the transaction to be approved.
Q: Why should I use my ATM/Visa Check Card?
A: There are many situations where writing a check can be inconvenient, like when you are in the express line at the grocery store. ATM/Visa Check Card transactions are approximately five times faster than writing a check, since there is no need for check approval and proof of identification. The funds are still deducted from your Checking Account.
Q: Where would I use my ATM/Visa Check Card?
A: Use it where ever the logo that appears on your card is displayed - like the grocery store, your favorite retailer, gas stations, or your favorite restaurant. There are millions of locations worldwide where your ATM/Visa Check Card can come in handy!
Q: How do I use my ATM/Visa Check Card?
A: It's easy! When paying for purchases, your ATM/Visa Check Card is scanned by a retail point-of-sale machine, automatically deducting funds from your Checking Account. Funds must be available for the transaction to be approved. When the process is complete, you will receive a printed receipt for easy record keeping.
Q: What if I'm given a choice of buttons to press at the merchants terminal?
A: You may need to choose between a "CREDIT" button and a "DEBIT" button. Those buttons determine how the merchant processes the transaction. Always press "CREDIT". If you choose "CREDIT", you will simply sign a receipt and pay no fees.
Q: When I use it, am I borrowing from a revolving line of credit?
A: NO! It is not a credit card. Funds are always deducted directly from your Checking Account just as if you had written a check.
Q: Will merchants know how to process my transaction?
A: Yes. Merchants will process your ATM/Visa Check Card transaction just like a credit card transaction.
Q: Can I use it to place orders by phone?
A: Sure. If funds are available in your Checking Account and the merchant accepts major credit cards, you can use it.
Q: Won't this make balancing my checkbook a headache?
A: ATM/Visa Check Card transactions appear on HomeBanking24 and your monthly Account Statement, just like the checks you write. Your ATM/Visa Check Card can be used as a budgeting tool to track your pattern of spending.
Q: My spouse and I use the same account. We share one checkbook, so will we have to share one card too?
A: No. But you may request another card so each of you have one to use at your convenience.
Q: If I want to return something I purchased with my ATM/Visa Check Card, do I go to the Credit Union or go back to the merchant?
A: Take all merchandise to be returned back to the merchant where you purchased the items, just like you do now when paying with cash, check, or with a credit card.
Q: Am I protected if my ATM/Visa Check Card is lost or stolen?
A: Yes. Just as with ATM cards, if you report a lost or
stolen card within two business days of its loss or theft, you will
not be held liable. If you fail to report it within this time
period, you could be held responsible for $50 or more. Treat your
ATM/Visa Check Card like you treat your ATM card or checkbook - like
cash.
Access24,
the 24-hour telephone teller system, gives you access to your
accounts anytime, day or night. In effect,
Access24 puts a teller in your
home, office, car or anywhere there is a touch-tone phone.
Using Access 24
1. Call
Access24
at 781-438-3092 or 978-658-2122.
2. Enter your account number followed by the # sign.
3. Enter your 4 digit PIN followed by the # sign.
4. Enter a transaction code followed by the # sign (see
code list below).
5. To end your session, simply hang up or enter 99#.
With Access 24, you can:
·
check your share and loan balances
·
make
check withdrawals
·
transfer funds
·
make
loan payments
·
inquire about cleared drafts
·
check on deposits and withdrawals
·
request tax information
·
and
much, much more!
Access 24 is easy to use. All you
need is the following:
·
your
account number as listed on your statement
·
a
touch-tone phone
·
your 4 digit PIN (your PIN is assigned by the Credit Union and can
be requested in writing).
Remember - do not share your PIN with anyone!
When you call Access24, a
friendly voice will guide you through your transaction. Changes to
your account are made immediately, accurately and confidentially.
Things to remember:
·
The
# sign must be pressed to conclude each entry.
·
The
* sign will pause Access24
at any point.
·
Pressing ** will erase the last instruction you entered.
·
Pressing *# will repeat the last message.
·
To
end the call, press 99#.
·
Enter
the exact amount for each transaction, including dollars and cents.
For example, to enter $100.00, press 10000#.
·
You may key ahead at any time during the session; you
do not need to wait for the voice prompt.
Transaction Codes:
|
|
|
Share Balance Inquiries |
SB# or 72# |
|
Share Draft Inquiries |
SD# or 73# |
|
Share Withdrawals |
Sw# or 79# |
|
Share Transfers |
St# or 78# |
|
Last Deposit |
SB# or 72# |
|
Last
Withdrawals |
LW #
or 59# |
|
Loan Balance
Inquiries |
LB#
or 52# |
|
Loan Payments/
payoff |
LP#
or 57# |
|
Tax Information |
TI# or 84# |
|
Non Primary
Account Transactions |
-678# |
| |
|
|
Account Suffix Conversion Table:
|
|
|
Suffix A is 21# |
Suffix N is 62# |
| Suffix B is 22# |
Suffix O is 63# |
| Suffix C is 23# |
Suffix P is 71# |
| Suffix D is 31# |
Suffix Q is 77# |
| Suffix E is 32# |
Suffix R is 72# |
| Suffix F is 33# |
Suffix S is 73# |
| Suffix G is 41# |
Suffix T is 81# |
| Suffix H is 42# |
Suffix U is 82# |
| Suffix I is 43# |
Suffix V is 83# |
| Suffix J is 51# |
Suffix W is 91# |
| Suffix K is 52# |
Suffix X is 92# |
| Suffix L is 53# |
Suffix Y is 93# |
| Suffix M is 61# |
|
