Visa Combo Card
& Share Draft Checking Accounts

Office hours from 8 a.m. to 3 p.m. Monday thru Friday
Office located on the 4th floor of the Dulles State Office Building
317 Washington Street, Watertown, New York 13601
Phone (315)785-2400/Fax (315)785-2459/E-mail scsefcu@scsefcu.net /ART (Audio Response Teller) Local 785-2423 or Toll Free (866)826-4ART

VISA COMBO CARD

Our VISA combo card is a debit card and ATM card. The debit card side is also known as a "Plastic check" in that it works like a check because it uses only what you have available in your share draft (checking) account. However, it looks just like a credit card and may be used any place that displays a VISA logo. The merchants do not know that you are using your own funds, to them it looks and acts just like a credit card. You can make purchases, reservations, place orders over the phone and so forth with this card. The ATM side of the card allows you to withdraw cash at an Automatic Teller Machine from your savings account or your checking account, transfer funds from one to the other and inquire on the balances of either account. This is a wonderful product, and is also great for students. Mom and Dad can feed the checking account locally and the student can use the card wherever they are going to college.

In these days of too much to do and so little time, this card is a great timesaver. No more standing in line writing checks and providing ID. Just use your Combo Card and you are on your way. Please call the office or come in and see us, and find out more about the Combo Card as well as all the other products and services we offer.

SHARE DRAFT CHECKING ACCOUNTS

• There are no minimum balance requirements.
• There are no monthly service fees.
• Direct deposit of your paycheck, social security check or retirement check is available.
  You will have automatic share transfers to cover an overdraft. If you have shares (savings) available over the total amount of your loan payments, the computer will automatically transfer the amount needed to cover an overdraft. There is a $1 transfer fee for this service.
• You may call or come into the office and transfer funds to checking from shares at no charge.
• Overdraft (bounced check) fees are $20 each.
• There is no charge for balance inquiry.
• Checks are truncated (you will not receive the cancelled checks back).

 

This Credit Union is Federally insured by the National Credit Union Administration
Home last updated 10/20/04