Debit cards look like a VISA credit card and work better than a check.  A VISA Debit card allows you the convenience to make in person or online purchases at millions of locations worldwide.  Purchases are debited directly from your checking account. Get a FREE VISA Debit Card linked to your checking account for enhanced purchasing power and easy access to your funds. VISA Debit cards offer you the convenience of a credit card but does not allow you to spend beyond your means.  ATM withdrawals, Point-of-Sale, and purchase transactions are deducted from your checking account.  The VISA debit card has worldwide acceptance, and eliminates the need to write checks or carry cash.  Get yours today!  You can perform the following transactions with an Ohio Catholic VISA Debit Card:

• Deposit Funds at ATMs
• Withdraw Funds at ATMs
• Transfer Funds between your Ohio Catholic Primary Checking and Primary Savings Accounts at ATMs
• Inquire on Account Balances at ATMs
• Make Point-of-Sale Purchases
• Make Purchases Anywhere VISA is Accepted

VISA Debit cards are available for Share Draft (Checking) Accounts. With your VISA Debit card, you can also access your primary Share Savings Account at ATMs.  There is no annual fee for an Ohio Catholic VISA Debit card.

VISA Debit Card Daily Limits

VISA Debit Cards – Subject to your available account balance, you may make a combination of ATM withdrawals of $400 and POS purchases of $2500 per day within 9 transactions per day.

Smart Money Tip – Know your current account balance. Don’t forget about checks that have not yet cleared.  VISA Debit cards have daily cash withdrawal limits.  Limits are meant to protect you in case your card is lost or stolen.  Your card may be declined if you make daily purchases that exceed your daily withdrawal limit, even if you know you have plenty of funds in your checking account.

ATM Withdrawals with a VISA Debit card

Six FREE cash withdrawals at Ohio Catholic ATMs and any ATM bearing the MoneyPass or Alliance One logos with NO Access Fees and No Bank Surcharges.  After the sixth ATM withdrawal, there will be a nominal fee for each ATM withdrawal.

Cash withdrawals at STAR and Cirrus ATM Networks will be subject to Access Fees and Surcharges. Ohio Catholic will also add a nominal fee after the sixth ATM withdrawal.

Point-of-Sale (POS) Transactions with a VISA Debit card

Utilize your Ohio Catholic VISA Debit card for Point-of-Sale retail transactions that display the Cirrus, PLUS or STAR logos with No Access fees and No Bank Surcharges.  POS terminals can be found in most grocery stores, convenience stores, gas stations and many retail outlets.

Saving Accounts are subject to Regulation D withdrawal restrictions.  ATM Point-of-Sale (POS) transactions are included in the number of restricted withdrawals.

Smart Money Tip – Many POS merchants allow you to ask for “cash back” with your purchase.  The total amount will be deducted from your account, which means no extra trip to the ATM and no ATM charges!

Purchase Transactions with a VISA Debit card

Utilize your Ohio Catholic VISA Debit card for purchase transactions anywhere the VISA logo is displayed.  Purchase transactions are processed as credit transactions though the VISA network and you will be required to sign a receipt.

Smart Money Tip– Sign up for It’s Me 247 Online Banking for quick and easy access account balances and a listing of transactions.  It’s Me 247 eAlerts can send alerts to help manage accounts and avoid over limit fees.

Deposits with a VISA Debit card

Unlimited number of Deposits at Ohio Catholic ATMs, PNC ATMs and participating Alliance One ATMs with NO Access Fees and No Bank Surcharges.  Deposits are subject to Ohio Catholic ATM Hold Policy.

Look for the following icon on the Alliance One ATM Locator website to determine where deposits may be made without access fees and surcharges.

PNC Bank will only accept deposits for Ohio Catholic at their ATM machines – NOT inside their branches or through night depository drops.

Smart Money Tip – Account deductions may not be cleared immediately when the final amount isn’t known.  VISA has established these processes to protect VISA Debit card issuers, merchants and cardholders.  This occurs most often when meeting consumer demand for payment conveniences, such as pay-at-the-pump fueling.  For example, if you use your VISA Debit card at a restaurant, your card may be authorized before the gratuity is applied.  For these types of purchases, VISA Debit card issuers may earmark cardholder funds to cover the estimated cost of the transaction.  This process, known as a “hold,” safeguards both cardholders and merchants.  It ensures cardholders don’t spend more money than they have and merchants are paid for the transaction.  While most transactions have a hold of less than 24 hours, VISA protects cardholders by requiring issuers or financial institutions to remove all holds within 72 hours.