| How Does a Debit Card work? |
| It works just like a check at stores, restaurants and other Master Card merchants. You present the card to the cashier, sign the receipt and your purchase is deducted right from your checking account. If you use it to place a phone order, just give your card number and the expiration date to the order representative. At ATM's it works just like a regular ATM card and you use your PIN (personal ID number). Never give out your PIN number! |
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| When I shop, I present it just like a credit card but it's not a credit card is it? |
No, it is not a credit card. It is a debit card. It is accepted at merchants like a credit card; the difference is that your purchases will be deducted from your Buckeye checking account (so there will be no interest charges)!
Be sure to choose the "credit" option at merchants to avoid any ATM fees (instead of choosing "Debit" and entering your PIN#).
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| Are there any fees when I use it? |
| There is no charge for using your debit card at Master Card merchants for a purchase, however, when you use your card at an ATM machine or use your PIN number, our STAR, Money Station, Plus & Pulse ATM networks fees will remain the same as they have been in the past. Please see the Electronic Fund Transfer Disclosure for more information. |
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| Are there spending limits for my check card? |
| You can spend up to the balance in your checking account, or $2,500 per day in purchases whichever is less. At the ATM, you still may withdraw up to $500 cash per day. If you need a temporary raise in spending limit for a large ticket item, you may call the office during weekdays 9-5 and we can program it for you. |
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| Is it possible to overdraw my checking account when I use the Debit card? |
| YES! If you use your balance to make a purchase and then checks try to clear later in the day, you might have an over-draft. NSF fee is $32. Important: to make purchases with your card, you must have the money in your checking. Master Card cannot draw from shares. |
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| Will my check card purchases appear on my monthly checking account statement? |
| Yes. When you shop with your check card, the amount, date, and even the place where you used it will appear on your statement, along with regular checks and ATM transactions. Having it all on one statement is a great help with record keeping. |
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| When I use my Debit Card, are funds withdrawn instantly from my account? |
| Always assume that it happens immediately, although it could take a few days to show up on your account. |
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| What do I do if my Debit Card is lost or stolen? |
| Call 1-800-523-4175 to cancel the card. After the card has been cancelled, contact your local branch. For branch information, click here |
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