How do I get an Ohio Catholic VISA Debit card?

• Open a checking account and apply for a VISA Debit card.  Complete and send in an ATM/Debit Card Application or a Member Service Representative can assist you at any branch location completing the necessary paperwork.  ATM and/or DEBIT CARD REQUEST Form

Do I need to activate my Ohio Catholic VISA Debit card?

• Yes, call  to activate your card from the primary phone number on file with Ohio Catholic.

How is a Visa Debit card better than cash or checks?

• More convenient — Using your VISA Debit card is fast and easy. Access your funds 24/7 and make purchases at millions of locations worldwide that accept VISA debit cards.  You don’t need to keep cash on hand — so you make fewer trips to the ATM and don’t need to fumble for change.
• More secure — VISA monitors your account 24 hours a day to help prevent, detect and resolve fraud on your VISA Debit card.  With VISA Zero Liability, you are not responsible for unauthorized purchases.  Any funds taken from your account due to fraudulent use will be returned to you.  Cash does not offer security protections; and once you lose it, it’s gone.  See the complete list of protections.
• Better record keeping — Your VISA Debit card transactions are automatically deducted from your checking account, so you can access your up-to-date balance on It’s Me 247 Online Banking or by calling CU*Talk.  Your monthly checking account statement provides full details of your purchases, including merchant name, location, date and amount.  You’ll enjoy money management you don’t get using cash or checks.

How is a VISA Debit card different from an ATM card?

• If you open a checking account you will have the option of getting a VISA Debit card or an ATM card.  A VISA Debit card will allow you to purchase items from more locations, over the Internet and by phone.  It will also give you access to more of your funds on a daily basis.

I’m interested in getting a VISA Debit Card, but I’m hesitant because I’ve heard if I lose my VISA Debit Card, if it’s stolen, or if there is unauthorized charges, I will be responsible for all charges and that my checking account balance could be drained entirely.  Is this true?
What happens if someone steals my VISA Debit card and uses it fraudulently?

• If your VISA Debit card is lost or stolen and fraudulent activity occurs, you are protected by VISA’s Zero Liability policy. That means 100% protection for you. Whether purchases occur online or off, you pay nothing for fraudulent activity.  If you notice fraudulent activity on your VISA Debit card, promptly contact Ohio Catholic or 866-333-4740 to report it.  It is important to continually monitor monthly statements to identify any unauthorized transactions.

Does my VISA Debit card have security protections?

• Yes, Visa Debit card’s security protections help prevent, detect, and resolve fraud in various ways:
  • Visa’s Zero Liability Policy
  • Continuous fraud monitoring to detect suspicious activity
  • Access to Identity Theft Assistance to help you recover your identity and prevent further problems
  • A 3-digit security code to verify your identity for Internet and phone purchases

Can I pay bills with my VISA Debit card?

• Yes, using your VISA Debit card is a fast and easy way to pay bills.  Save time and avoid the hassle of writing checks and paying late fees or missing payments.  You can pay for wireless phone service, cable/satellite TV and insurance and even set up recurring payments.  Plus you get all the benefits VISA Debit card provides, including greater convenience, enhanced security and easier record keeping. Search VISA’s Biller Directory to locate billers who accept VISA for bill payment.

Is there a limit to the number of withdrawals on my Share Draft (Checking) Accounts I can make with my VISA Debit ATM card?

• You will incur a nominal fee for each withdrawal after the sixth withdrawal. See Fee Schedule. You are limited to any combination of $400 of ATM withdrawals and $2500 of POS purchases per day with a limit of 9 transactions per day.
• Saving Accounts are subject to Regulation D withdrawal restrictions.  ATM transfers and Point-of-Sale (POS) transactions are included in the number of restricted withdrawals. See Regulation D tab for a complete listing of restricted withdrawals and the Fee Schedule for associated fees.

How can I access funds in my primary savings account with a VISA debit card?  Can I make purchases with the funds in my primary savings account?

• You can access funds in your primary savings account through the ATM network.  You cannot make purchases with your VISA debit card using the funds in your primary savings account but you can transfer funds from your primary savings account to your checking account.

What is an ATM access fee?

• An ATM access fee is a fee that Ohio Catholic is charged for its members to use a foreign ATM (a non-Ohio Catholic or non-Ohio Catholic CO-OP Network ATM).  Ohio Catholic passes a portion of this fee on to its members.  Foreign ATM owners may also charge an ATM surcharge fee.  See Fee Schedule.

What is an ATM surcharge?

• An ATM surcharge is a fee that a foreign ATM owner (a non-Ohio Catholic or non-Ohio Catholic CO-OP Network ATM) charges people for the privilege of using their ATM.  ATM owners who do charge a surcharge are required to disclose the surcharge fees before you complete the ATM transaction.  If you don’t want to pay the surcharge, simply cancel the transaction.  Please note Ohio Catholic is not charging this fee and has no control over the amount charged.

When will my ATM deposit be credited to my account?

• Holds are placed on all deposits made at all ATMs.  Deposits are processed each business day.  Funds will be available between the second and the fifth business day following the date of deposit.  If an extended hold is required, Ohio Catholic will notify the member.  Business days are Monday through Friday.  See Ohio Catholic ATM Hold Policy for more details.

Can I make a deposit at an ATM not owned by Ohio Catholic Federal Credit Union?

• Yes, you can also make deposits at PNC ATMs and participating Alliance One ATMs.  However, we can’t guarantee how long it will take another financial institution to send your deposit to us for processing.  If you enjoy the convenience of making ATM deposits, but need the deposit to post in a timely manner, make deposits at an Ohio Catholic ATM.

Why are there periods of time when I am limited to the amount of money I can withdrawal from an Ohio Catholic or CO-OP ATM?

• ATMs are taken offline for balancing and updating.  During the offline periods, the ATM network will only let you withdraw $105 daily from the ATM machine and $200 in P.O.S. transactions.

How is a Point-of-Sale (POS) transaction different from a Purchase transaction with my Visa Debit Card?

• Point-of-Sale (POS) retail transactions can be made at locations that display the Cirrus, PLUS or STAR logos.  POS terminals can be found in most grocery stores, convenience stores, gas stations, and many retail outlets.  POS transactions are processed as debit transactions through the POS network and you are required to enter your PIN.  Purchase transactions (or non-PIN transactions) can be made anywhere the VISA logo is displayed.  Purchase transactions are processed as credit transactions though the VISA network and you will be require to sign a receipt.  The transaction will still debit your checking account the exact same way.  So if the POS system is down, you may be able to complete your transaction through the Visa system because it’s a separate network.

What is a non-PIN purchase?

• Any transaction that does not require you to enter your PIN is a considered a non-PIN purchase.  These transactions are processed by Visa, but are still deducted directly from your checking account.  They are considered non-PIN purchases when you:
  • Present your card to the merchant and sign the receipt.
  • Swipe your card at a keypad, press “credit” and sign the receipt.
  • Use your card to make a purchase on the Internet, by phone or at the gas pump.
  • Make automatic bill payments, such as your phone bill or Internet service provider.

How soon after I make a POS or a purchase transaction will I see that amount deducted from my account balance?

• Point-of-Sale (POS) retail transactions are processed as debit transactions through the POS network and will deducted from the account immediately.  Purchase transactions (or non-PIN transactions) are processed as credit transactions though the VISA network and could take up to three days for you to see the deduction from your account.

How many tries do I have to get the correct PIN?

• You have three tries to get your PIN correctly entered into the ATM.  For your security, if your PIN is entered incorrectly three consecutive times, you will be locked out by the ATM machine.  You will need to contact the credit union to reset your PIN.  Your card will be available for use 24 hours after PIN is reset.  You may reset your password via email, fax, written correspondence or in person. Correspondence must include the following:

Attention: Member Service – PIN reset request
Name
Date
Contact Phone Number
Signature or email address on file

• E-mail requests – customerservice@ohiocatholicfcu.com To get your ATM PIN reset via email request your email address must already be on file at Ohio Catholic
• Fax requests – (216) 663-8610
• Mail requests – 13623 Rockside Road, Garfield Hts., Ohio 44125

I’ve forgotten my PIN.  What do I do?

• Simply bring your card to any of our branch locations.  We will re-PIN your Ohio Catholic ATM Card for free.

Can I use my Ohio Catholic VISA Debit card in another state or a foreign country?

• Yes.  You can use your VISA Debit card worldwide on ATMs bearing the CO-OP Network, STAR*, PLUS*, CIRRUS* logo (*indicates that a  withdrawal fee is charged for each transaction made at ATMs in these networks).  Note: you may experience difficulties using your Ohio Catholic VISA Debit card to access money in your savings account in certain foreign countries because some countries’ ATM networks only allow people to withdraw money from checking accounts.  You will also be able to use your VISA Debit card any where VISA is accepted.  This gives you worldwide buying power.

Do I need to contact the credit union if I plan on using my VISA Debit card while traveling?

• To insure uninterrupted service while traveling contact Ohio Catholic at 216-663-6800 or call 800-599-7889 with the dates and locations of your travel plans.

What do I do if I lose my VISA Debit Card?

• During business hours, call us at 216-663-6800.  After business hours or holidays, call 866-333-4740.

Is there a fee to replace a lost or stolen Ohio Catholic Federal Credit Union VISA Debit Card?

• Yes, there is a fee to replace the card. See Fee Schedule

How long does it take to receive a new Ohio Catholic Federal Credit Union VISA Debit Card?

• Typically, you’ll receive the new card in 7-10 business days.