Checking/ATM Card

You'll find our VISA Check Card to be safe and secure, convenient and so easy to use! For those that are only looking for Savings account access, our Savings Card will serve you well.

SECURITY NOTES

UnitedOne Credit Union Check Card, Savings Card and credit cards have various security features build into them for your protection. Due to these features and to save you from any inconvenience, we ask you to notify us when you're going to travel or use your cards for purchases outside the United States. That way we can "flag" your account so we know it will not be unusual for outside activity to show on your account.

Change of Address: Also, we ask you to be sure you notify us of any changes in address in writing so we can ensure you receive your statements and other communications in a timely manner. We do not accept Post Office or e-mailed change of address notifications due to potential security problems. Change of Address forms are available at any UnitedOne office. We thank you for your cooperation and understanding that this is for your protection.

Visa Check Cards -- Your Key to Checkless Checking!

How does a VISA Check Card work?
Your VISA Check Card is a plastic card that when used, electronically accesses the money in your checking account to pay for goods and services. It's accepted by millions of merchants around the world who take VISA, so you can even use it at places that will not accept a personal check. It can be used in person, over the phone, by mail, even via the Internet. All you do to use it is hand over your card or give your account number, sign your receipt if in person (for a signature-based transaction), then enter your purchase in your checkbook register. That's how easy it is to use your card. Also, it doubles as an ATM card (for a PIN-based transaction) so you can withdraw cash from your checking or savings at ATMs around the world.

How do I keep track of my purchases and cash withdrawals?

Simply record your transactions in your checkbook register. Since joint account holders can both have access to the checkbook at the same time via checks and the Check Card, it's especially important to record your transactions. Your monthly statements will show each transaction's date, dollar amount and merchant name or ATM location for even more detailed record keeping than you get with your paper checks.

What kind of liability may be involved?

VISA's "zero liability" policy protects you from all unauthorized use of your card through the VISA system (signature required, does not apply to PIN-based transactions). You can use your card everywhere, including the Internet, with complete confidence. Even though

you're not liable for any unauthorized use, we do still need you to contact us immediately if your card is ever lost or stolen. Also, VISA's Verified by VISA program gives you increased protection when you use your card online. Learn more about this program via our Verified by VISA for debit cards link to your right.

What does a Check Card cost?

Nothing! A Visa Check Card adds great value to your UnitedOne checking account. You get unlimited use of your Check Card for purchases through the VISA system (signature-based transactions), and unlimited ATM (PIN-based) transactions. Note: a fee may be charged by an owner of an ATM not owned by UnitedOne, though UnitedOne does not charge you for using any non-UnitedOne ATMs.

How do I apply?

An application needs to be completed. Feel free to print out our online version and turn it in to any UnitedOne Credit Union office, or pick an application up next time you visit any of our offices.

Savings Card - for Savings Account Access Only
Our basic Savings card allows convenient access to your savings account through ATMs (PIN-based transactions) and the Visa system (signature-based transactions). All transactions are free! Note that a fee may be charged by an owner of an ATM not owned by UnitedOne, though UnitedOne does not charge you for using any non-UnitedOne ATMs.

How do I apply?
An application needs to be completed. Feel free to print out our online version and turn it in to any UnitedOne Credit Union office, or pick an application up next time you visit any of our offices.

Updated 11/13/08