Q. &A. VISA DEBIT/CHECK CARD NO POSTAGE NECESSARY IF MAILED IN ThE UNITED STATES VISA Debit/ Q. What is a VISA DEBIT/CHECK Q. Are funds withdrawn from my Check Card CARD? account immediately? A. A VISA DEBIT/CHECK CARD is another way A. The same procedures apply to your to access the money in your Checking Account without VISA DEBIT/CHECK CARD as your Checking Account. writing a check. It also serves as your ATM card. That means, there is a “clearing” time period. However, you must have enough money in your Application, Information & Disclosure Q. How does it work? account to cover the amount of your purchase. A. When you make a purchase, present Q. Can the funds be deducted your card to any merchant that accepts VISA. The from my Savings account cashier will scan it and give you a receipt to sign. Or, instead of my Checking you can swipe your card in the POS terminal, select Account? Debit (EBT) and enter your PIN number. Be sure to A. BUSINESS REPLY MAIL MIAMI, FL When you use your VISA DEBIT/CHECK keep the receipt for your records. The amount will CARD to make purchases, payments can only be be automatically held and then deducted from your deducted from your Checking Account. However, Checking Account. You’re simply using your card when used as an ATM card, you may access both your instead of your checkbook. Savings and Checking and Money Market account. POSTAGE WILL BE PAID BY ADDRESSEE Q. PERMIT NO. 20577 Q. Is VISA DEBIT/CHECK CARD a Is there a daily dollar limit for purchases North Miami Florida 33161-9844 PeoPles Credit Union credit card, too? A. NO! Even though you’re still using A. Yes. Make as many purchases as you plastic, you’re spending your money. That means no want using your VISA DEBIT/CHECK CARD. However, bill, and no interest to pay. VISA DEBIT/CHECK CARD you must stay within the daily limit set by the Credit accesses the available funds in your Checking Account Union. (Check with us for dollar limit.) Of course, you’ll need to have sufficient available funds in your 680 NE 124th Street instead of a line of credit. FIRST-CLASS MAIL Checking Account to cover those purchases. Q. Which ATMs will accept my Q. Is there a charge for using VISA DEBIT/CHECK CARD? my VISA DEBIT/CHECK CARD? A. You can make transactions all over A. If you use your card as a Debit Card the world at ATMs displaying the VISA, Presto, STAR, to make purchases (regardless if there is cash back) Accel/Exchange, Plus, MasterCard or Cirrus logos. and the amount is deducted from your checking Additionally, you may use your VISA DEBIT/CHECK account, no transaction fees are charged. However, CARD at Peoples Credit Union-owned ATMs. if you use your Check card to get cash at an ATM (other than Peoples Credit Union machines), you will Q. How is the PIN selected when I be assessed our regular ATM transaction fees. use VISA DEBIT/CHECK CARD as Q. Can I use VISA DEBIT/CHECK an ATM card? CARD to make purchases over A. VISA DEBIT/CHECK CARD Personal the phone? Identification Numbers (PINs) are electronically A. In addition to paying for things over selected. Your PIN will be mailed to you separately the counter, you can also use VISA DEBIT/CHECK CARD from your VISA DEBIT/CHECK CARD. (Selection of your to pay for items over the phone, for mail orders and on own PIN is not available.) the Internet – wherever a VISA card is accepted. 3/11-4M It Acts Like a Check and ATM Card! Our VISA Debit/Check card is an easy way to pay for your purchases by check – without VISA DEBIT/CHECK CARD ApplICATIon writing one. Just present your card at the register of any VISA merchant. The amount of your purchase will automatically be deducted from your checking account. REquIREMEnTS: MEMBER InFoRMATIon Your card can also be used at machines displaying the VISA, Presto, STAR, Accel/ ✁ Exchange, Plus, MasterCard or Cirrus logos and at credit union-owned ATMs. Account Number _____________________________________________________________ • Be a member in good When using your VISA Debit/Check card for online purchases, be sure to register Name of Primary Member ______________________________________________________ standing and have a for Verified by VISA at our web site (www.pcufla.org). This free security service Driver’s License Number or Checking Account. provides you with extra protection when shopping online. valid Florida I.D. (Primary Member) _______________________________________________ • Must meet Peoples Credit Address ____________________________________________________________________ Union underwriting City___________________________________________ State _____ Zip ______________ Electronic Funds Transfer (Regulation E) Addendum for The following limitations on the frequency and amount requirements for Home Phone ( ) __________________________________________________________ VISA Debit/Check Cards Effective Date 7-1-10 of VISA Debit/Check Card transactions may apply: Detach, fold, tape shut and mail - no postage required VISA DEBIT/CHECK CARD Day Phone ( ) ____________________________________________________________ VISA Debit/Check Card: You may use your Card to purchase • There is no limit on the number of VISA Debit/Check goods and services from participating merchants. You agree Card purchases you make per day up to the daily limit. • Other restrictions may Cellular phone/beeper ( ) __________________________________________________ that you will not use your Card for any transaction that is illegal • Purchase amounts are limited to the amount in your apply Joint Member ________________________________________________________________ under applicable federal, state or local law. Funds to cover account. your Card purchase will be deducted from your Checking Driver’s License Number or • There is no limit of the number of cash withdrawals you valid Florida I.D. (Joint Member) _________________________________________________ account. If the balance in your account is not sufficient to pay the transaction amount, the Credit Union will pay the may make in any one day from an ATM machine up to Address ____________________________________________________________________ InSTRuCTIonS: amount and treat the transaction as a request to transfer funds your available withdrawal limit per day of $400. City___________________________________________ State _____ Zip ______________ from approved overdraft protection accounts that you have For security purposes, there are other limits on the Home Phone ( ) __________________________________________________________ established with the Credit Union. If you initiate a transaction frequency and amount of transfers available at ATMs. • Complete and sign the Day Phone ( ) ____________________________________________________________ that overdraws your Account, you agree to make immediate payment of any overdrafts together with any service charges You may transfer up to the available balance in your VISA DEBIT/CHECK CARD Cellular phone/beeper ( ) __________________________________________________ to the Credit Union. In the event of repeated overdrafts, the accounts at the time of the transfer. application Credit Union may terminate all services under the Agreement. You may use your Card and PIN (Personal Identification • Mail, fax or bring to any I (We) understand that PEOPLES CREDIT UNION may contact a credit reporting agency / Fees and Charges Number) in automated teller machines of the Credit Union, Peoples Credit Union ChexSystems in order to qualify me (us) for a VISA DEBIT/CHECK CARD. I (We) have read the VISA, Presto, STAR, Accel/Exchange, Plus, MasterCard or Cirrus There are certain charges for electronic funds transfer office attached agreement. I (We) agree to the terms stated and I (we) hereby request a PEOPLES logos and affiliated networks, and such other machines or services. From time to time, the charges may be charged. We will notify you of any changes as required CREDIT UNION VISA DEBIT/CHECK CARD to be issued in the above name(s). facilities as the Credit Union may designate. by applicable law. I (We) understand that if not approved for a VISA DEBIT/CHECK CARD but qualify for an ATM At the present time, you may also use your Card to: card, you will issue me (us) an ATM card if I (we) do not presently have one. ✁ If you use an ATM that is not operated by us, you may • Make deposits to your Savings and Checking accounts at be charged a fee by the ATM operator Peoples Credit Union-owned ATMs only. and by any national, regional or Signature of Applicant(s) • Withdraw funds from your Savings, Checking and Money local network used in processing Market accounts. the transaction. The ATM 1. __________________________________________________________________________ surcharge will be debited 2. __________________________________________________________________________ • Transfer funds from your Savings, Checking and Money from your account if you Market accounts. Date Signed _____________________________________ elect to complete the • Obtain balances for Savings, Checking and Money transaction. Market accounts. • Make POS (Point-of-Sale) transactions with your Card Primary Member’s Mother’s Maiden Name _________________________________________ and PIN (Personal Identification Number) to purchase VISA Debit/Check Card Fees goods or services at merchants that accept the VISA No annual card fee. Refer FOR CREDIT UNION USE ONLY Debit/Check card. to service fee disclosure for • Order goods or services by mail or telephone from complete fee listing. places that accept VISA Debit/Check cards.