Debit/ATM Cards

NOTE:  Starting May 1, 2009 we are enhancing our ATM and Debit Card Programs.  The new process will allow access to funds through your ATM or Debit Card based on the balance in your account or accounts attached to your card.  The cards will still have limits assigned to them for your protection.  You can request a higher limit on your card by contacting us.

If you do not have a Debit or ATM Card and would like to apply for one, please stop by one of our offices.  We'll be happy to help. 

• get cash withdrawals from checking or savings account(s)
  - you may withdraw no more than $200.00 per day, per card
• transfer funds from savings to checking account(s)
• transfer funds from checking to savings account(s)
  - you may transfer no more than $200.00 per day, per card
• get information about:
  - the account balance of your checking account(s)
  - the account balance of your savings account(s)

Some of these services may not be available at all terminals.

If you are interested in a Debit/ATM card stop by one of our offices to fill out an application.

Advisory Against Illegal Use

You agree not to use your card(s) for illegal gambling or other illegal purpose.  Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located.

Fees

• We do not charge for direct deposits to any type of account.
• We do not charge for preauthorized payments from any type of account.
• Please refer to our separate fee schedule for additional information about fees.

Except as indicated elsewhere, we do not charge for these electronic fund transfers.

ATM Operator/Network Fees

When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).

If you want additional information concerning Debit/ATM Cards please stop by one of our offices and ask for a brochure concerning the following topics:

• Documentation
• Financial Institutions Liability
• Confidentiality
• Unauthorized Transfers
• Error Resolution Notice

You can also request the same brochure for information on:

• Electronic Funds Transfers Initiated By Third Parties