Types of Transactions/Transfers:  You may use the card and PIN issued you to pay for purchases from merchants who have agreed to accept the card at Point of Sale (POS) terminals within the networks identified on your card and such terminals as the Bank may designate from time to time. Point of Sale (POS) transactions will be deducted from your Primary Account. Point of Sale (POS) transactions involving a refund to will be credited to your Primary Account.  You may use the automated teller machine (ATM) card and personal identification number (PIN) issued to you to initiate transactions at ATMs of ours, ATMs within the networks identified on your card and such other facilities as we may designate from time to time. Unless you specify a different account during Automated Teller Machine (ATM) transactions, your Primary Account will be used for transactions.  Your Primary Account number and information may be obtained from the Combined ATM/POS Request Form.  At present you may use your card to (some of these services may not be available at all ATMs):

Deposit funds to your checking account.
Withdraw cash from your checking account
Deposit funds to you savings account.
Withdraw cash from your savings account
Transfer funds between your checking accounts.
Obtain balance information on your deposit account.

Limitations on Frequency and Amount:

You may withdraw up to a maximum of $400.00 (if there are sufficient funds in your account) per day.

For security purposes, there are limits on the frequency and amount of transfers you may make using ATMs and this Point of Sale service.

In addition to those limitations on transfers elsewhere described, if any, the following limitations apply:

• Transfers from savings account to another or by third parties by preauthorized, automatic, telephone, or computer transfer are limited to two per statement cycle (of at least four weeks) with no transfers by check, debit card, or similar order to third parties.
• Transfers from a money market account to another or by third parties by preauthorized, automatic, telephone, or computer transfer are limited to six per statement cycle (of at least four weeks) with no more than three by check, debit card, or similar order to third parties.
• You may purchase up to a maximum of $400.00 worth of goods and services per day, inclusive of ATM withdrawals.

Fees and Charges.

There is no charge for ATM withdrawals at machines
owned by us.
There is a $1.00 charge for each ATM withdrawal at
machines we do not own.
There is no charge fro ATM deposits at machines
owned by us.
There is a replacement card fee of $5.00 per card.
$5.00 issuance fee.
We do not charge for any POS transactions.

ATM Fees: When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).

Top of Page ^