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Personal Banking: Convenience Services
Protection from Overdrafts We offer two ways for customers to protect against inadvertent overdrafts: Overdraft Protection and Bounce Protection®. Overdraft Protection Any of our checking accounts can be linked to a Statement Savings, Money Market, or Line of Credit account (must meet credit criteria) for convenient overdraft protection. Money will be transferred from your linked account to cover any overdrafts. There is a transfer charge* for this service from a Statement Savings or Money Market account. Overdraft transfers are FREE from a Line of Credit account. Bounce Protection® You will have peace of mind knowing that, should you become overdrawn, your transactions may be covered up to your assigned limit. If you are currently registered for our Overdraft Protection transfer plan, an overdraft transfer from your linked account will be initiated before your Bounce Protection limit is accessed. For a more detailed description of how this works, click here. *Request a Current Charges for Bank Services listing for fee amount.
Visa Check Cards with Visa Extras The Visa Check Card is not a credit card, it's a check card, because the money comes out of your checking account - just like a check. Use the card to pay for purchases at millions of locations worldwide where Visa debit cards are accepted, sign the authorization, and the amount will be deducted from your checking account! Even use it to get cash from your favorite ATM. Each transaction will be detailed on your monthly account statement.
Plus, with each purchase on your Visa Check Card, earn points redeemable for gifts with Visa Extras!* Using your Visa Check Card can also give you peace of mind. Buy anything you want, anywhere you want, and risk nothing. With Visa's Zero Liability policy, you will never pay a cent for any unauthorized use of your Visa Check Card. *U.S.-issued personal cards only. Does not apply to ATM transactions or PIN transactions not processed by Visa. See your Cardholder Agreement for details.
ATM (Automated Teller Machine) Cards With our ATM card, the bank is never closed. As part of the "PLUS" network, you'll have access to your cash around the country and the world. Even better - use your ATM card at any one of over 32,000 ATMs nationwide bearing the Allpoint logo and you can withdraw your cash surcharge-free! Click here for more information. Unlimited transactions for only $1/month, charged to your primary ATM account only. Withdraw, deposit, check your balance, or transfer when you want to.
Visa® Extras Now there’s another great reason to reach for your Visa® Check Card. Just enroll in Visa Extras and you’ll earn one point for each $1 of a qualifying purchase* made with your enrolled Visa Check Card. Then redeem your points for everyday rewards such as retail gift certificates, or save your points for even bigger rewards. All points are good for 36 months from the date on which they were posted to your Visa Extras account. To enroll, visit the Visa Extras website by clicking here, or click the link using our Quick Links button near the top of any page of our website. You can also enroll or get more details by calling 1-800-960-8472. *A qualifying purchase is any signature-based purchase, phone or mail-order purchase, or automatic bill payment made with an enrolled Visa card which is processed or submitted through the Visa U.S.A. Inc. transaction processing system. Go to www.visaextras.com for further details.
Verified by Visa Visa offers Verified by Visa, a free service that gives you the confidence to use your Visa Check Cards or credit cards to make purchases online without fear of unauthorized usage. Verified by Visa is a unique service that uses personal passwords to help protect Visa card numbers against fraudulent activity. Once you activate your card, no one else can use your Visa card number at any participating online store without your personal password. Verified by Visa is free! For more information or to sign up for free, click here.
Direct Deposit We participate in the Direct Deposit of Social Security and Federal Recurring Payments Program. Beneficiaries in one or both of these programs are invited to sign up for this convenient service at any of our offices. The Benefits of Direct Deposit:
Best of all, the service is FREE! Stop by any bank branch or contact
us for more information.
Automatic Loan Payment Never worry about late payments again! We can automatically deduct your loan (installment or commercial) or mortgage payment from your deposit account. You won't have to worry about coupons or due dates, and this service is free. It also can mean up to a ½% rate reduction on your installment loan! If you currently have a loan or mortgage with us, stop by any of our offices or contact us to sign up for this convenient time-saver!
Telephone Banking Telephone Banking is our convenient, automated bank-by-phone system that gives you access to your accounts 24 hours a day, 7 days a week from any touch-tone phone. Telephone Banking is one more way we can better serve our customers. There is no need to register for this service. Telephone Banking can provide you with a wealth of information about your accounts. Just by calling (800) 427-9300, you can:
All this information is yours simply by picking up the phone!
Best of all, this convenient service is free!
Foreign Currency Services with My Travel Wallet We have affiliated with the Travelex Group to provide My Travel Wallet - the foreign currency and travelers cheque solution for our customers. With My Travel Wallet you can quickly and easily:
Ordering foreign currency, travelers cheques, and Visa TravelMoney has never been easier! Complete your order online in minutes and have your currency or cheques delivered to your door in as little as two days! Click Here to proceed to My Travel Wallet, or at any time select Order Foreign Currency from the Quick Links menu at the top of this website.
Web Statement Delivery Tired of all of the clutter in your mailbox? Simplify your life with Web Statement Delivery! If you are a registered Web Banking user, you qualify for this FREE convenience service! With Web Statement Delivery, you will be able to view your bank statements online rather than receiving them through postal mail. Many people are discovering that electronic delivery of items such as bank statements reduces clutter in their lives and makes organization a snap. No more papers scattered on your desk - and you won't lose your statements, as they will be stored for you online* where you can access them at any time, from any computer with internet access! By signing up for Web Statement Delivery, you will no longer receive your banking statements in the mail. Instead, you will receive an e-mail alerting you when your bank statement is available to view online. A link in the e-mail will take you to your login page. You will be able to view any alerts or notices that may have been included in the mailed version of the statement, and you even still will have access to the Account Reconcilement form that is printed on the back side of your printed statement. Have more questions? Read the Web Statement Delivery FAQ (Frequently Asked Questions)! Get started now! Simply complete and return our Web Services Action Form - it's that easy! If you're not currently a Web Banking user, you may sign up for Web Banking from our Application Center right now! * Statements are stored online for up to
one year. Beginning with the first month you have signed up for
Web Statement Delivery, each new statement will be stored, until
you have a full year of statements stored online. From that point
on, statements for the full year prior to the current month will
always be available online. If you wish to keep statements older
than one year, you do have the ability to save your statement locally
on your computer.
Visa® Gift Cards The Visa gift card makes finding the perfect gift easy! It’s
an ideal choice for birthdays, holidays, weddings and all your gift-giving
occasions. Recipients can use it whenever, wherever! If you need
a gift card quickly, just stop by any of our 40+ offices to make
your purchase and receive the Visa gift card on the spot! The Visa gift card is welcomed worldwide at more than 19 million merchants that accept Visa debit cards, and can be used to make purchases online, by phone or in person. Purchasers or gift recipients can use the card as many times as they like for six months, up to the amount stored on the card. As the card is used, the amount of each purchase is automatically deducted from the card's available balance. The Visa gift card is better than a gift certificate, cash or check because it provides peace of mind. If the card is lost or stolen with a balance remaining, a replacement card will be issued and any available balance (less the replacement card fee) will be transferred to the new card. Visa gift cards can be purchased in dollar amounts from $10 to $1000. In addition, there is a nominal processing fee of $2.95 per card. Give them what they want, instead of guessing what they want. Drop by your local branch and buy your Visa gift cards today!
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