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Address |
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340 Griswold Road
Elyria, OH 44035 |
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Office Phone Numbers |
Main Office
440-324-3400 |
Toll Free
800-451-6315 |
Fax
440-324-3292 |
Touch-Tone Teller
440-324-2445
800-850-4539 |
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Lost/Stolen Cards |
ATM & VISA® Check
Card
800-523-4175 |
VISA®
Credit Card
800-991-4961 |
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VISA® Gift or
Travel Card |
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866-496-6183 |
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Guidelines for Using an ATM Card or
VISA® Check Card:
 | When you receive your card, sign
the back of your card immediately.
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| Your card will not work until it
is activated. To activate your card, you must go to an ATM machine
with the PIN number assigned to you. Insert your card, enter your
PIN number, and select the option “balance inquiry.” You will know
if your card has been activated successfully if your receipt gives
you a balance.
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| Memorize your PIN number. NEVER
carry your PIN number with your ATM or VISA® Check Card. Your PIN
number can be changed at the ATM machine or by filling out a form at
the Credit Union.
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| If you use an incorrect PIN number
three (3) times, the system will automatically block your card and
you will have to fill out a form at the Credit Union to have your
card and PIN number reset.
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| You will be able to withdraw up to
$100 per day from an ATM machine with your ATM Card or VISA® Check
Card.
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| You will be able to make purchases
with your ATM Card from merchants up to $250 per day on PIN based
POS transactions if you have a checking account. These are
transactions where you have to enter your PIN number. Remember, you
can only make transactions up to the amount of money you have in
your checking or share savings accounts.
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| You will be able to make purchases
with your VISA® Check Card from merchants, up to $250 per day. When
you use your Visa® Check Card at a store, swipe your card and choose
the “CREDIT” option. Sign your name, take your receipt and you’re
done.
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| The balance given at the ATM
machine may not be your most current balance. This is why it is very
important to record ALL transactions in the account register you
received. Any VISA® Check Card or ATM transactions you complete with
a PIN will post immediately. If you’ve used you VISA® Check Card to
make a Point-of-Sale (POS) purchase, it may not post for another 48
hours. Checks you have written that have not yet posted will not
appear immediately on your ATM balance.
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| You may be charged a fee when
using an ATM machine. When you use School Employees Lorain County
Credit Union’s (SELCCU) ATM machine, you will not be charged a fee.
The exception to this is if you do more than 20 transactions a
month. The first 20 transactions are free, but you will be charged a
fee for each transaction over the allowed 20.
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| If there is a transaction fee at
other institutions, a message will appear on the ATM machine to ask
you if you want to proceed with your transaction.
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| When you deposit a check through
the ATM, you are allowed up to $100 cash back provided you request
the funds before you remove your card. If you complete the deposit,
remove your card, and request a cash withdrawal, you will not be
able to withdraw against what you have just deposited.
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| Receipts need to be kept until you
balance your account.
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| If your card is lost or stolen or
your card number has been compromised, you must report it
immediately. For ATM Cards, call SELCCU during business hours. For
VISA® Check Cards, call SELCCU during business hours or call
800-523-4175 after business hours.
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| If you have a dispute with a
merchant when you have used your ATM or VISA® Check Card, call
SELCCU for assistance. We will help you with dispute resolution.
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Some examples of disputes are:
unauthorized use, a different amount posting to your account than you
signed for, non-receipt of merchandise ordered by phone or on the
Internet, no cash or an incorrect amount of cash dispensed from an ATM
machine, etc.
Steps for using an ATM machine:
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Insert your card in the designated
slot.
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The machine will ask you to input your
PIN.
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You will be prompted to select an
option which can include deposit, cash withdrawal, transfer between
accounts, etc.
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Select the option to complete the
transaction.
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The machine will ask you to wait while
it processes your transaction.
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When your transaction is complete, be
sure to take your cash, receipt and card before leaving the ATM
machine.
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