Debit Cards

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If you have a share draft (checking) account, you can apply today for a Visa Check Card!  You can use your Visa Check Card at the checkout of many supermarkets, retail stores, gas stations - everywhere that Visa debit cards are accepted.  You can use your card and the funds will be deducted right from your checking account.  You can use the ATM machine at First Choice Federal Credit Union without any fees.  Anywhere you see the “CU$”, you will not be charged a fee.  You can access funds in your checking account day or night.  To apply for a Visa Check Card, all you have to do is fill out the application at the credit union office.  There will be a review of the history of your share draft account and a credit report will be drawn to determine if you would qualify for this great service. 

 

YOUR CHOICE:  It is time to pay for your items, you pull out your Family 1st Visa Check Card and the cashier asks you, “Debit or Credit?”  The merchant is simply asking you how you would like the transaction  to be processed.  No matter how you respond, the purchase will deduct from your checking account.  In other words, if you say “credit” the purchase will not be billed to a credit card, it simply requires your signature and is processed through the Visa network.  If you respond “debit”, you must enter in your PIN number and the transaction is processed through the ATM network.  It is in your best interest to choose credit.  Visa transactions are more efficient and less costly than ATM transactions.  You can help save your credit union money by choosing credit instead of debit.  As a financial cooperative, any cost savings we experience are returned to our members in the form of lower loan rates, higher dividend rates, and new and improved products and services.