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ATM/Debit Card Guidelines

  • When you receive your card, sign the back of your card immediately.
  • Your card will not work until it is activated. To activate your card, you must go to an ATM, insert your card and enter with the Personal Identification Number (PIN) assigned to you. Select the option "Balance Inquiry." You will know your card has been activated successfully if your receipt gives you a balance.
  • Memorize your PIN. NEVER carry your PIN with your ATM or Visa Check Card. You may change this number at select ATMs or by filling out a form at the credit union.
  • If you enter an incorrect PIN three (3) times, the system will automatically block your card and you will have to contact the credit union to have your card and PIN reset.  
  • Adult members (ages 18 and older) may withdraw up to $500 per day from an ATM, if there are sufficient funds in the account. Teen members (ages 13-17) may withdraw up to $100 per day from an ATM, if there are sufficient funds in the account.
  • Members ages 18 and older may make PIN-based Point-Of-Sales (POS) purchases from merchants with their ATM Card, provided they have a Checking Account, up to $1,000 per day, if there are sufficient funds in the account. Members ages 13-17 may make these transactions up to $250 per day, if there are sufficient funds in the account. POS transactions are those in which you enter your PIN at the time of purchase.
  • Members ages 18 and older may make purchases with the Visa Debit Card from merchants, up to $1,000 per day, if there are sufficient funds in the account. Teen members (ages 13-17) may make purchases with the Visa Debit Card up to $250 per day, if there are sufficient funds in the account. When you use your Visa Debit Card at a store, swipe your card and choose the "CREDIT" option. Sign your name, take your receipt and you're finished.
  • 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 Debit Card or ATM transactions you complete with a PIN will post immediately. If you've used your Visa Debit Card to make a POS purchase, it may not post for another 48 hours, but could reflect in the balance. Checks you have written that have not yet posted will not appear immediately on your ATM balance.
  • Through the Alliance One and CULIANCE ATM networks, you have access to more than 50,000 SURCHARGE-FREE ATMs nationwide. You also have access to ATMs in the STAR and PLUS networks.
  • If there is a transaction fee at other institutions, a message will appear on the ATM to ask you if you want to proceed with your transaction.
  • When you deposit a check through the ATM, you are allowed up to $100 cash back, if there are sufficient funds in the account.
  • Receipts need to be kept until you balance your account.
  • If your card is lost or stolen or your card number has been compromised, you must report it immediately. For either ATM or Visa Debit Cards, call ACHIEVE during business hours or call 888-918-7861 after business hours.
  • If you have a dispute with a merchant when you have used your ATM or Visa Check Card, call ACHIEVE for assistance. We will help you with dispute resolution. 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, etc. 
 
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