Visa Debit Card
The SCCU Visa Debit Card opens up a whole new world of convenience for your share draft (checking) account. You can use this card to make purchases anywhere the VISA or STAR symbol is displayed. You may be asked to choose "credit" or "debit." When you choose credit the merchant may ask you to sign a sales receipt. The amount will normally be deducted at a later date from your share draft account just as if you had written a check. If you choose debit, the merchant will ask you to key in your Personal Identification Number (PIN) at the point of sale device. PIN transactions are normally deducted immediately from your share draft account. The debit option is usually required if you want to get cash back.
Your SCCU Visa Debit Card may also be used at any CO-OP, CIRRUS, Star, Visa, or Plus ATMs. Be sure to memorize your new PIN for use at these ATM locations and do not write the PIN on your card. There is no fee to use any SCCU or CO-OP ATMs. We do charge a small fee when your card is used at any other ATMs. (See fee schedule.) Some institutions may assess additional fees. Check each location for posted information about charges that may affect you. To avoid fees when traveling, SCCU recommends that you go to www.co-opfs.org or call 888-748-3266 or text 692 667 to locate one of over 25,000 CO-OP ATMs nationwide.
Your SCCU Visa Debit Card may be used up to 12 times per day. When you choose the credit option, you may use the available balances in your share draft and prime share accounts up to $5,000 per day. If you have been approved for an Overdraft Protection loan, that line of credit is also available to you when choosing the credit option. If you choose the debit option, the daily limit is $509.00, with Sunday and the following Monday (Tuesday if Monday is a holiday) being counted as one day. Please be aware that if transactions are presented for payment and you do not have available funds, your card may be "blocked" for future transactions.
We know you will enjoy the conveniences of your SCCU VISA Check Card. Remember to look to your credit union for all of your financial needs!