Debit Card Faqs

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Debit Card FAQs Where can I use my VISA Debit Card? Anywhere VISA is accepted, or at any locations participating in CO-OP, PLUS, or STAR ATM Networks. Where will funds be deducted from when I use my card? Point of sale transactions will be deducted from your checking account. ATM withdrawals can be completed from either your checking, primary share savings, or Money Market accounts (Money Market access must be requested). Are there limits to how much I can spend using my card? Yes. Daily use limits are: $500 for ATM’s and other cash advance transactions; $2,000 for point of sale and signature based transactions. Can I incur non-sufficient funds or overdraft fees by using my card? Yes, a NSF or overdraft fee applies for each attempt by a merchant for recurring transactions if your available balance is insufficient. Your available balance includes your actual balance less any holds and temporary debit authorizations (which may be more than the actual amount of your purchase). * What other fees might I incur? . There is a fee to block or unblock your card.* . Owners of foreign ATMs (not owned by VCCU) may impose a surcharge if you use their ATMs. If you conduct transactions with merchants in other countries, an international transaction fee may be charged. The amount will vary and is based on the fee charged by the merchant’s network. Money Market debits in excess of 3 per month incur a fee* There is no surcharge at ATMs that are part of the CO-OP Network. There are never any ATM usage fees to use our ATM, located at the address listed below. For a complete disclosure, please see our Truth in Savings Disclosure. *Please see our Cost Recovery Schedule for current rates. Vocality Community Credit Union | 757 Redwood Drive, Garberville, CA 95542 www.vocalityccu.org | 1-855-565-2012 REV 01/2021 .

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Automated teller machine "Cash machine" Smaller indoor ATMs dispense money inside convenience stores and other busy areas, such as this off-premise Wincor Nixdorf mono-function ATM in Sweden. An automated teller machine (ATM) is a computerized telecommunications device that provides the customers of a financial institution with access to financial transactions in a public space without the need for a human clerk or bank teller. On most modern ATMs, the customer is identified by inserting a plastic ATM card with a magnetic stripe or a plastic smartcard with a chip, that contains a unique card number and some security information, such as an expiration date or CVVC (CVV). Security is provided by the customer entering a personal identification number (PIN). Using an ATM, customers can access their bank accounts in order to make cash withdrawals (or credit card cash advances) and check their account balances as well as purchasing mobile cell phone prepaid credit. ATMs are known by various other names including automated transaction machine,[1] automated banking machine, money machine, bank machine, cash machine, hole-in-the-wall, cashpoint, Bancomat (in various countries in Europe and Russia), Multibanco (after a registered trade mark, in Portugal), and Any Time Money (in India). Contents • 1 History • 2 Location • 3 Financial networks • 4 Global use • 5 Hardware • 6 Software • 7 Security o 7.1 Physical o 7.2 Transactional secrecy and integrity o 7.3 Customer identity integrity o 7.4 Device operation integrity o 7.5 Customer security o 7.6 Alternative uses • 8 Reliability • 9 Fraud 1 o 9.1 Card fraud • 10 Related devices • 11 See also • 12 References • 13 Books • 14 External links History An old Nixdorf ATM British actor Reg Varney using the world's first ATM in 1967, located at a branch of Barclays Bank, Enfield.
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