Debit Cards:

To report a lost or stolen debit card during office hours, dial extension 313, after hours & weekends, dial 1-800-543-5073.

• No Monthly Fee
• 4 ATM withdrawals per month at no charge (after that $1 each)
• Safer & more convenient than cash
• Widely Accepted
• A fast way to pay
• Appropriate for small purchases
• Disciplines spending
• Unlimited (no fee) point of sale/retail purchase
• Saves time & money
• Appropriate for travel
• As useful as a credit card
• Appropriate for large purchases
• NO surcharges when used at a sharenet ATM location
• NEW! Avoid surcharges - receive cash back at many retail locations

NOTE: If you don't need cash back, think credit -- whenever a merchant gives you a choice of transactions, choose credit.

• VISA debit transactions are processed exactly as VISA credit card transactions. The only difference is the funds are deducted from your checking account when posted.
• See ATM Locations for sharenet & other ATM locations.
• Use it at retail locations for purchases...at ATMs for cash...one card that does BOTH!

Application (PDF) to apply for your VISA/ATM Plastic Check Card!

Protect your Visa card online with a personal password, enroll today!

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ATM Scams:

Skimmers:

Skimming is the newest ATM scam. The fraudster places a 'skimmer' or a small device over the card slot, which records the magnetic strip as your card passes through. A small camera is mounted to the ATM to record your PIN as it is entered. Once the data is collected it's then used on a blank card to encode the information from your ATM card and create a counterfeit. You won't know you've been scammed because your ATM card hasn't been stolen and still works at other machines.

Tip: Be on the lookout for anything out of the ordinary at the ATM, such as odd-looking equipment or wires. Monitor accounts regularly for unusual activity.

If you've been scammed, contact the financial institution and the Federal Trade Commission at www.ftc.gov

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Disclosures:

EFT Disclosure

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To contact a Member Service Representative please call:

Local: 315-445-2300
Long Distance: 800-219-2132
or Contact Us Online

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