VISA/ATM Check Card

It's Just Another Card!!!

If you're tired of writing checks each time you want to buy something, tired of feeling like you've taken up permanent residence at the ATM or of having to carry large amounts of cash in your wallet because check writing can be a hassle. We offer a convenient alternative. It's a TPS Credit Union VISA ATM Check Card.

We've combined two kinds of convenience into this one extraordinary card. Now you can access funds in your TPS Credit Union Checking Account as well as purchase goods and services worldwide. Everywhere that accepts VISA will accept our Check Card.

What Is A VISA/ATM Check Card?
Our Check Card is an alternative to writing checks and carrying large amounts of cash, and it works much like a debit card. A VISA ATM Check Card from the credit union ensures your ability to make purchases from merchants who display the familiar VISA logo but who do not accept checks. The extra advantage that a credit union Check Card offers over traditional check/debit cards is its ATM compatibility. You can use your VISA ATM Check Card to obtain cash from thousands of ATM's coast to coast.

Is There A Difference Between A Check Card And A Credit Card?
Yes, Credit card purchases can cost you money. Credit cards extend you a line of credit against which you borrow money to pay for goods and services. You pay interest on your unpaid balance.

Each time you use your Check Card to pay for something, the amount of your purchase is automatically deducted directly from your credit union Checking Account. No interest. No transaction fee. No annual fee.

Why Use a VISA ATM Check Card?
Convenience, safety and economy! Remember the last time you got ready to write a check for your purchases and found that you were out of checks? How about the time you didn't have enough cash to pay for everything in your shopping cart? What if the merchant doesn't accept checks but will accept VISA?

This card eliminates the embarrassment and frustration of empty checkbooks, and too little cash. It's also a great time-saver at the checkout counter. In addition, you can use your Check Card to obtain cash and conduct other transactions at automated teller machines all day and all night, seven days a week.

Forget the fear of losing your cash or having it stolen. The only person who can use your credit union VISA ATM Check Card at an ATM terminal is you because only you have the special Personal Identification Number (PIN) that allows you access to your credit union account.

Where Can I Use My VISA ATM Check Card?
At restaurants, boutiques, gas stations, grocery stores and other places of business around the world that display the VISA logo.

Remember your Check Card's ATM capability! Use it at automated teller machines where you see the MAC or VISA Plus logo. Make cash withdrawals and deposits, balance inquiries and transfers and other credit union account transactions.

How Do I Use A Check Card?
To make a purchase or pay for a service, simply present your VISA ATM Check Card to the cashier and sign the sales receipt. If the clerk asks whether its Debit or Credit, always answer Credit. This transaction will still be processed against your checking account through the VISA network. If the business offers a card terminal instead of "credit" capabilities, slide your card though the slot and enter your assigned Personal Identification Number (PIN). This is considered an ATM transaction and you are limited to a total of eight per month before a minimal fee will be accessed. The funds in your checking account will be automatically deducted to pay for your purchases.

HINT: Whenever you use your PIN# to process a transaction, it goes towards the eight free transactions per month before being accessed a minimal fee. Avoid processing a transaction through the card terminal except when receiving cash from your account.

How Do I Keep Track of My Transactions?
Always keep your sales receipts and enter the amount of each transaction into your checkbook ledger. When you receive your monthly statement compare it against your ledger for accuracy.

How Can I Obtain A VISA ATM Check Card?
To enjoy the convenience that our VISA ATM Check Card provides, it is necessary for you to have a TPS Credit Union Checking Account. If you currently have a Checking Account with us, applying for our Check Card is simple. Just complete the application and e-mail us or call for an application to be mailed to you.

After we process your application, we will send you the VISA ATM Check Card Account Agreement and Disclosure. This Agreement and Disclosure explains the terms and conditions by which use of your card is governed. Shortly thereafter, you will receive your new VISA ATM Check Card. Within three to seven days after receipt of your card, you will receive your assigned Personal Identification Number (PIN). You MUST call TPS Credit Union to activate the card on the ATM side. This only takes a few minutes and then you will be able use the card conveniently at ATM machines across the country. Also you now have to call VISA to activate the card for use as a VISA card.

NOTE: If you don't call to activate the card; the sales clerk or ATM machine may keep your card. There is a fee to get a replacement VISA/ATM Check Card.