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School Employees Lorain County Credit Union, Inc.

  
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 		   ATM Card and VISAŽ Check Card Study Guide

ATM cards are used to deposit or withdraw money from your accounts through an Automated Teller Machine (ATM) 24-hours a day, 7-days a week.

VISAŽ Check Cards are used like a check or credit card. It also has the added convenience of being like an ATM card.

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Glossary of Term and Abbreviations
 Guidelines for Using an ATM Card or VISAŽ Check Card

The following are characteristics of each type of card.

VISAŽ Check Card

ATM Card
Can be used to deposit, withdraw, or transfer money in your checking or share savings accounts at any ATM. Can be used to deposit, withdraw, or transfer money in your checking or share savings accounts at any ATM.
Can be used like a check to make purchases at a store, over the Internet or on the phone. The amount will be automatically deducted from your checking account. Card cannot be used to make purchases, over the Internet or on the phone. Can be used at a store with a PIN number for point of sale (POS) if you have a checking account.
Can be used with or without a PIN number depending on the type of transaction. Can only be used with a PIN number.
Twenty (20) PIN based transactions free and unlimited purchase transactions if you do not use the PIN number and as long as you have funds in your accounts. Twenty (20) PIN based transactions free.
Can be used as an ATM Card with your PIN number or you can use like a credit card without a PIN number. Unlike credit cards, the amount will be deducted from your checking account rather than billed monthly. Cannot be used as a VISAŽ Check Card.
  

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