 Convenient Access To Your Credit Union Accounts 24 Hours A Day!
Summit Credit Union is committed to offering convenient services for our members. As a result, members can choose between our Debit (ATM) Card or our ATM & Point-of-Sale Card to access their credit union checking or saving account. Remember, to avoid ATM surcharge fees look for the CASH POINTS logo or other non-surcharging credit union owned ATMs. The No-Surcharge logo is your assurance that, as a credit union owned ATM, there is no surcharge or access fee for using it.
| Your Credit Union ATM Card |
| Foreign ATM Transactions: |
| First five per month |
No Charge |
| Over five per month |
$1.00 each* |
| Point-of-Sale (POS) / VISA Transactions |
No Charge |
| Maximum Daily ATM / POS Withdrawal Limit |
$500 |
| Maximum Daily VISA & ATM Withdrawal Limit |
$2,000 |
| ATM/Debit Card (Issue) |
No Charge |
| Debit Card Monthly Fee |
No Charge |
| ATM/Debit Card (Replacement) |
$5.00* |
*Fee waived for members in curtain My CU Club categories
You can change your Debit Card PIN by calling (800) 272-9222. You can activate your Debit Card by calling (877) 296-2736 and entering your PIN.
Fees charged by a foreign ATM operator will be charged to your account as disclosed by the ATM operator.
If your Debit (ATM) Card is lost or stolen call (336) 662-6200 immediately. After hours call (800) 528-2273.
If your ATM & Point-of-Sale Card is lost or stolen contact the credit union. |
WAYS TO AVOID OR REDUCE THE EXPENSE OF ATM SURCHARGES
- Look for the NO Surcharge logo on credit union owned ATMs such as the Cash Points ATM network. Cash Points has over 20 non-surcharging ATMs in the Greater Greensboro area and over 600 non-surcharging ATMs state wide.
- Use your ATM, Debit or Credit Card to make purchases at point-of-sale (POS) terminals at most gas stations, grocery stores, and department stores. Plus, many grocery and department stores provide cash back upon request.
- Cash a check. Many stores allow you to write if for a specified amount over the cost of your purchase.
- Organize spending habits to reduce the number of ATM withdrawals (i.e., Make larger withdrawals to reduce your visits; use your check or credit card to make purchases instead of cash).
DEBIT (ATM) CARD SERVICES
Debit (or check) card’s look like a credit or ATM card, but operates like a personal check. Debit Cards are different from credit cards. A credit card transaction creates a loan obligation, while a Debit Card transaction is drafted directly from your checking account.
In addition to being convenient, the Debit Card is a secure way to pay. It frees you from the problems associated with carrying a large amount of cash or the hassles of writing checks. Debit (ATM) Cards are accepted through the VISA network at many merchant locations, including grocery stores, retail stores, department stores, gasoline stations, and restaurants. You can even get cash back at many locations. Purchases made through the VISA network will be automatically deducted from your checking account after approximately three business days. Your statement will detail the amount of each purchase along with the merchant’s name and location...much more information than you get from writing a check!
Unlike a typical ATM card, a Debit (ATM) Card can be used to access checking account funds with only a signature! A PIN is not required to use the Debit (ATM) Card anywhere VISA is accepted. For security reasons you will need to keep the possession of your Debit (ATM) Card protected at all times. The daily purchase limit through the VISA network is $2,000.
There is NO CHARGE for transactions made through the VISA network. Debit (ATM) Cards are provided FREE OF CHARGE. There is NO MONTHLY FEE and NO ISSUE FEE associated with our Debit (ATM) Card. If you lose or damage your Debit (ATM) Card, there is a $5.00 fee for replacement.
If your Debit (ATM) Card is lost or stolen please call 1-336-662-6200 immediately to keep unauthorized transactions from occurring. After hours call (800) 528-2273.
Your Debit Card also serves as your ATM and Point-of-Sale card. Please refer to the ATM Services & Point-of-Sale Services sections below for information regarding these features.
ATM SERVICES
An ATM card puts 24-hour Automatic Teller machine (ATM) convenience at your fingertips. You can take care of many of your routine financial needs with your ATM & Point-of-Sale Card. Transactions normally handled by a Member Service Representative are accessible to you 24 hours a day, 7 days a week.
With proper authorization, your ATM & Point-of-Sale Card lets you:
- Get cash from your Share, Checking, or Money Market account, for up to two accounts. Each card holder may withdraw up to $500 a day.
- Transfer funds from one account to another when both accounts are accessed by the same card.
- Check account balances for your Share, Checking, or Money Market account.
You can use your ATM & Point-of-Sale Card at almost any ATM located across the country and throughout the world. Whether you’re close to home or traveling hundreds of miles away, cash is as close as the nearest ATM machine.
There is NO CHARGE for the first five ATM transactions (withdrawals and transfers) performed during a month. There is a $1.00 charge for ATM transactions performed more than five during a month. ATM & Point-of-Sale Cards are provided FREE OF CHARGE. If you lose your ATM & Point-of-Sale Card, there is a $5.00 fee for replacement.
If your ATM & Point-of-Sale Card is lost or stolen contact the credit union immediately.
POINT-OF-SALE SERVICES
You can use your ATM & Point-of-Sale Card to make purchases right from your Checking account at thousands of locations across country. You can use it to purchase gas, groceries, and more. When using your ATM & Point-of-Sale Card and secure PIN there’s no check to write, ID to show, or check approval to wait for. You enter your own PIN and the purchase amount is deducted from your account - accurately and immediately. You can even get cash back at many locations! There is NO CHARGE for transactions made through an ATM Point-of-Sale network.
If your ATM & Point-of-Sale Card is lost or stolen contact the credit union immediately.
DEBIT AND ATM CARD SECURITY & YOU
Keeping Your Debit and ATM Card Secure
Treat your Debit and ATM card like cash. Always keep your card in a safe place and keep your secret PIN a secret. Memorize your PIN. Never write it on your card or store it with the card. Never tell someone your PIN. And never let someone else enter your PIN for you. Report a lost or stolen card at once. Remember, your Debit or ATM Card can be used without a PIN to access the funds on deposit in your checking account.
Security At Walk-Up ATMs
Always observe your surroundings before conducting an ATM transaction. Park as close as possible to the ATM terminal and observe the entire area from the safety of your car before getting out. If an ATM is obstructed from view or poorly lit, go to another ATM. When possible, take a companion along with you. And, minimize time spent at the ATM by having your card out and ready to use. If you see anyone or anything suspicious while conducting a transaction, cancel your transaction and leave. If you are followed after making an ATM transaction, go immediately to a heavily populated, well-lighted area and call the police.
Security At Drive-UP ATMs
Keep your engine running, the doors locked and the windows up at all times when waiting in line at a drive-up ATM. When possible, leave enough room between cars to allow for a quick exit should it become necessary. Before rolling down the window to use the ATM, check the entire area for anything or anyone suspicious. Minimize time spent at the ATM by having your card out and ready to use. If you see anyone or anything suspicious while conducting a transaction, cancel your transaction and leave. If you are followed after making an ATM transaction, go immediately to a heavily populated, well-lighted area and call the police.
If you have any questions about ATM security, do not hesitate to ask one of our employees. By working together, we can improve security as you continue to enjoy the convenience of electronic services.
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No-Surcharge ATMs: |
In addition to the over 40,000 No-Surcharge ATMs represented by the above networks, we have established partnerships with most credit unions in North Carolina to offer members of Summit Credit Union surcharge free access to their ATMs.
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