Q: What is “online, real time”?

A: This means that any transaction performed at the CU, ATM, or POS will affect your balance immediately (real time). Deposits to accounts are updated immediately, unless a “hold” is placed on the funds.

Q: What is my available balance?

A: The member’s available balance is the funds that are available in their checking account. The system will also take into account any funds that are available from savings accounts that are designated as an overdraft protection by the member. (**This does NOT include courtesy pay overdraft protection in the available balance).

Q: Will my card # and my spouse’s card # be the same?

A: NO—individuals will receive his/her own debit card numbers for security purposes: if one card de-activated due to loss or theft, the other card will remain active. EACH CARD MUST BE ACTIVATED SEPARTELY.

Q: VOICE ACTIVATION?

A: Member will call the phone number listed on the card from their “home phone” to activate.

Q: Can I change my PIN#?

A: YES—PIN#s will be computer generated and mailed to your home address. When the member receives PIN# mailer, they will be able to call and change. The mailer will contain the instructions on how to change the PIN#.

Q: Will I be able to use “courtesy pay”, SD75 Line of Credit, or Money Market accounts in my available amount?

A: NO—courtesy pay, SD75 Line of Credit, or Money Market accounts cannot be used as available amounts. Only savings accounts designated by the member will be considered as available amounts.

Q: How much withdraw from the ATM?

A: The daily ATM limit is $500.

Q: What is the Point of Sale (retail merchant) limit per day?

A: POS limit per day is $1000.

Q: Maximum times in 24 hour period you can use ATM?

A: 5 times (this includes: balance inquires, cash w/d, transfers, ….). Maximum times in 24 hour period you can use POS = 15 times Total # of times you can use card in 24 hour period = 20 times LIMITS WILL RESET AT 11:00 pm EACH DAY

Q: Automated Fuel or Hotel authorizations?

A: These authorizations will drop off after 3 days:
Gas stations generally authorize $75 if it is a PIN based transaction.
Gas stations generally authorize for $1.00 if it is a CREDIT transaction.
The authorization amounts may vary depending on individual policies of the merchant.

Q: Should I expect transactions to post over the “WEEKEND”?

A: YES, you should expect transactions to post immediately everyday.

Q: What are “Pending” transactions? Why are they pending? How can I view my pending transactions?

A: Pending transactions are simply “credit” based transactions that have been subtracted from the “available” checking account balance, but have not actually posted to the account. Even though they are subtracted from your available balance immediately, credit based transactions are still dependent on the retail merchant as to when they actually post to your account. You can view your pending transactions within online banking.

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