How does the card help me manage money better?
The SELCO Checkcard is actually two cards in one. First, it is your ATM card. Use it with your Personal Identification Number (PIN) for withdrawals, deposits, balance inquiries, and transfers at ATMs and Point-of-Sale machines worldwide.

And, your SELCO Checkcard lets you use money from your checking account without writing a check. Use it at stores, grocers, gas stations, restaurants - anywhere you see the Visa symbol - exactly the same way you would use a credit card. You can even use it when ordering merchandise or services by phone, Internet, or mail.

The card helps you manage money better because it's. . . Faster and easier than writing checks. It saves time when you're in a hurry because you don't have to write a check or show ID, and you don't need to wait for a check approval.

It is also accepted where checks aren't. Places like restaurants may not accept checks. And when you're away from home it's sometimes difficult to pay by check. The SELCO Checkcard avoids such problems. In addition, the Checkcard gives you a better way to keep track of your purchases. A detailed description of every card purchase you make appears on your regular monthly checking statement. You can also access the checking statement online with Online Banking. You'll have a record of the date of the transaction, amount, and where you made the purchase. That helps you manage your money better because you know how you're spending it.

How do I use the SELCO Check Card for purchases?
When you first receive your SELCO Checkcard and PIN (you will receive them in separate mailings as a security precaution), sign the back of the card immediately and then take your card to an ATM and perform any type of transaction. You can use your card at any ATM machine or Point of Sale terminal immediately after receiving it, however, to use your Check card as a Visa credit card, you must first call 800-456-6870 to activate your card.

Now when you go shopping or out of town, you can leave your checkbook at home. You may use the SELCO Checkcard in place of checks wherever Visa cards are accepted.

When you're at the store, simply hand your card to the clerk, (who will process the transaction much like a credit card purchase), sign the sales slip for authorization, and off you go! The purchase price will be deducted from your SELCO checking Account. Remember to enter the transaction in your check register.

When you're at a gas station, simply follow the directions on the pump. Generally, you will insert the Checkcard at the pump, select "debit", and begin pumping gas. You may also pay the attendant inside with your SELCO Checkcard.

So it works like a credit card, but it's not a credit card?
Right. You can use the SELCO Checkcard as a debit card and have the money deducted from your checking account AND you can use it to access your line of credit that comes with your checking account at the same time.

When you make a purchase at a retail store, restaurant, etc., tell the clerk that you are using it as a Checkcard and you are simply using the money from your checking account. The amount of your purchase must be available in your checking account at the time the purchase is made.

When you tell the clerk that you want to use the card as a SELCO Visa Check Card, the big difference here is you can make purchases up to your available checking balance. The funds will first come out of your checking account.

Are there any spending limits?
Each day, you may use the SELCO Check Card for up to $500 in withdrawals at ATM machines. There is also a $500 limit to the amount of purchases you can make from Point-of-Sale machines in one day.

When will the purchase amount be deducted from my SELCO checking account?
If you use your PIN for authorization, the purchase price is immediately deducted from your account.

If you sign the sales slip for authorization, the purchase price is :
- immediately deducted, or
- held against your current balance until the transaction posts to your account, which usually takes about the same amount of time as it takes a check to clear your account. (For example, if you have $100 in checking and make a purchase for $34, a hold is placed against the funds in your checking for $34, until that transactions clear. This hold immediately reduces your available balance to $66. Your available balance is the amount you can use for withdrawals, checks to clear, etc.)

Do I need to use my PIN to make a purchase?
Although you will typically be asked to sign a sales slip for authorization, some merchants may ask you to enter your PIN in a point of sale terminal.

Of course, you will need your PIN to make ATM transactions at ATM machines.

Is there a fee to use the card?
All transactions from Point-of-Sale machines are no-cost. Members receive no-cost monthly withdrawals depending on your level in SELCOselect Rewards. SELCO and other Credit Union (CU) Access ATMs do not charge a surcharge for ATM use. There's never a charge for inquiries and deposits.

Some non-CU Access and Co-Op ATMs will assess a surcharge. Save money--use CU Access and Co-Op ATMs. When you use the card at a non-credit-union ATM machine, there may be a fee. Please refer to the institution whose ATM you used for current fees on ATM transactions.

A replacement fee may be charged if your card is lost. If your card is stolen, there is no fee.
Note: these fees may be waived depending on your level in SELCOselect Rewards.

How will I keep track of my purchases?
You receive a receipt from the merchant every time you use your card. Even if you lose your receipt, all purchases are detailed on your monthly checking account statement.

You may also check your account histories with SELCO Online Banking (online banking) or PrivateLine (automated telephone banking) for recent purchases. On PrivateLine, the transactions will be referred to as "POS transactions" (point-of-sale).

How do I return merchandise purchased with the SELCO Check Card?
The same way you do with a credit card purchase. It's best to save both your cash register receipt and SELCO Checkcard transaction slip until you are certain you are happy with your purchase. If you return an item, the purchase price will be credited to your SELCO checking account. Just like a credit card return, it may take 30 days for the amount to be credited to your checking account.

I have overdraft protection with my SELCO checking account. Does my overdraft protection work with purchases I make using the SELCO Check Card?
Yes. All overdraft charges will be drawn from your line of credit if there are not enough funds within your checking account to cover the purchase.

Any tips about using my card?
Helpful Hints and Safety Tips

1. Always protect and secure your SELCO Checkcard and Personal Identification Number (PIN) as you would cash, credit cards, and checks.

2. Keep your PIN confidential and never write it on your SELCO Checkcard. No one else should know your PIN.

3. When you receive your SELCO Checkcard in the mail, sign the back of the card immediately.

4. Keep your SELCO Checkcard and PIN in separate places to protect you in case of loss or theft. Notify SELCO Community Credit Union immediately if your SELCO Check Card is lost or stolen. During business hours our phone number is (541) 686-8000 or toll-free (800) 445-4483. During non-business, weekend, or holiday hours please call 800 682-6075 and when travelling in coutries that do not use 800 numbers please call (206) 352-3482.

5. No matter how close you park your car to an ATM, do not leave your keys in the car unattended.

6. Read and follow all instructions carefully. If you are unsure if you entered your transaction correctly, start over.

7. Do not approach an ATM if you have any doubts about your personal safety.

8. When using an ATM, shield other people from viewing your transactions by standing in front of the machine.

9. If your withdrawal is denied, try again in a few minutes or try an amount under $500.

10. If you receive money from an ATM transaction, immediately count it and put it away so that no one else can see it.

11. Keep your receipts to reconcile with your monthly statement. Report any errors immediately to SELCO Community Credit Union.

12. If you are using your SELCO Visa Check Card to make purchases on the Internet, make sure you are entering a secure transaction. If you are using Microsoft Internet Explorer as your Internet browser, looking for a small golden lock at the bottom of the screen that indicates a secure connection. If you are using Netscape Navigator, look for a golden key. Both signs signify a secure transaction and your credit card information will not be in jeopardy.

What do I do if my card is lost or stolen?
Notify SELCO Community Credit Union immediately.
To Report a Lost/Stolen VISA card during business hours call (541) 686-8000 or toll-free (800) 445-4483. During non-business, weekend, or holiday hours please call 800 682-6075 and when travelling in coutries that do not use 800 numbers please call (206) 352-3482. To contact VISA directly call 800 VISA 911.

If your card has been stolen, you should also report this information to the police.