Visa Check Card
The First National Bank of McHenry’s Visa Check Card is the
simplest, fastest, and most convenient way to use money from
your checking account without writing a check. Because it is
accepted at over 13 million stores, restaurants, gas stations,
and other locations, you’ll know that if you’re running
errands, dining out, buying groceries, or shopping for
clothes, The First National Bank of McHenry Visa Check Card
will always be a viable payment method.
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FAQ’s about the Visa Check Card
How does the Visa Check Card work?
Wherever you may be, just hand your Visa Check Card to the
clerk assisting you with your purchase. You will be either
asked to sign a receipt or enter your personal identification
number into a keypad. You can even use your Visa Check Card
when ordering merchandise or services by telephone or mail. In
all cases, the amount of your purchase will automatically be
deducted from your checking account, so you should also make
the appropriate entry in your check register. When you receive
your monthly statement, all of your purchases will be neatly
listed with a brief description of where the transaction took
place.
What am I supposed to say if a clerk asks me credit or
debit?
Generally you can say either. By saying or pressing credit,
your transaction will require you to sign a sales slip that
forces the clerk to verify your signature on the sales slip
with the panel on the back of the card. These types of
transactions afford you a higher daily dollar amount because
of this security. It also affords you unlimited free usage. By
saying or pressing debit, you will be required to enter your
personal identification number into a keypad. The debit method
may have a nominal cost involved – please check with your
checking account plan to determine if it applies to you. You
also take note of the different dollar amount limitations
associated with each method. Whether you select credit or
debit, the amount of your purchase will charge directly to
your checking account. There is no interest to pay back when
saying or pressing credit.
Can the Visa Check Card be used to get cash at ATM’s?
Yes. Your Visa Check Card can be used for withdrawals,
deposits, transfers, or balance inquiries at most ATM machines
displaying the STAR logo. Moreover, your Visa Check Card gives
you worldwide access to your account for withdrawing cash
through any ATM displaying the CIRRUS logo.
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Are there any fees for using the Visa Check Card?
That depends on how you choose to access your accounts
using the Visa Check Card – through signature access or
personal identification number (PIN). Signature access (when
you sign a receipt for the purchase or press the credit key
while performing a transaction) can be used wherever Visa is
accepted. This method provides you with unlimited free monthly
usage. When you access your account through PIN, whether it is
at an ATM, or a merchant that allows you to pay for purchases
using the PIN, your normal checking account fee schedule
applies.
Is there anyplace where I cannot or should not use my
Visa Check Card?
You may not use your Visa Check Card for Internet Gambling
purchases. Otherwise, your Visa Check Card may be used
anywhere you feel comfortable. Because of the nature of
certain merchants, we recommend that you not use your Visa
Check Card to reserve rental cars and hotels. Your Visa Check
Card should be treated with the same security as you would any
other financial document or information
What if my Visa Check Card is lost or stolen?
Phone us at once !!! Help us snuff out credit card fraud
before it happens. We have measures in place to terminate a
card instantly, but we need to hear from you first.
CALL US AT
(815)385-5400 – 24 HOURS A DAY – 7 DAYS A WEEK. If your call
is after regular banking hours, you will be directed to
another number where an operator will be standing by to take
your information.
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