MidCarolina Bank : Personal Banking : Checking Accounts : Visa® CheckCard

Midcarolina works with a variety of service providers that can assist you with all of your personal and business banking needs. From ATM services, payment processing or getting funding for your small business we are here to help. Stop by one of our branches and speak to a manager or see any of the following websites for more information:

A faster, economical and more convenient way to purchase the products and services you need. Our VISA® CheckCard allows you to access funds from your checking account without having to write a check. Use it wherever VISA® is accepted. Free with any MidCarolina Bank Checking Account upon credit approval, it also serves as an ATM Card.

You will enjoy these benefits:

Quicker checkout: swipe, sign, and go. You don't have to worry about having sufficient cash in hand or writing a check. Merchants also benefit from accepting Visa® check cards with guaranteed payment and reduced costs from handling fewer paper checks.

If you have trouble qualifying for credit, try using your Visa® check card as a buy now, pay now payment method. Visa® check cards are included automatically with most checking accounts, and can be used like a credit card for your purchases—except the funds are deducted directly from your checking account and not borrowed.

When traveling, consider using your Visa® check card for purchases. It can be used at millions of merchant locations worldwide where Visa debit cards are accepted. Use your Visa® check card as a budgeting tool to help you track your expenses and manage your money better.

You can even pay your monthly bills or set up recurring payments with your Visa® check card for regular bills such as cable, phone, or loans—without having to worry about remembering to pay on time or buy stamps.

Wallet too bulky? Tired of frequent trips to the ATM? Hate carrying around a checkbook? Carry your Visa® check card instead.

Your Visa® check card can be used for larger purchases or reservations as well. For example, you can use your Visa check card to purchase an airline ticket or hold a reservation for a hotel room.

Visa® CheckCard Facts :

The amount of your purchase is deducted from your checking account automatically—so be certain you have adequate funds at the time of purchase.

Car rental companies may require you to present a credit card in order to reserve a car but you may pay for the rental at its conclusion with your Visa® check card.

To meet consumer demand for payment conveniences such as express/video checkout at hotels, pay-at-the-pump fueling, and one-swipe payment at restaurants, Visa® has established processes to protect Visa® check card issuers, merchants, and cardholders. Similar to how check deposits can’t be immediately withdrawn, account deductions can’t immediately be cleared when the final amount isn’t known—this typically applies to hotel, restaurant, and pay-at-the-pump gas station purchases.

For example, you may use your Visa® check card at a restaurant and your card gets authorized before the tip is applied. For these types of purchases, Visa® check 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, ensuring cardholders don't spend more money than they have and merchants are paid for the transaction. While most transactions have a less than 24-hour hold, Visa® protects cardholders by requiring issuers or financial institutions to remove all holds within 72 hours.

You could be charged two fees when you use your card to withdraw cash at an ATM that is not owned by your financial institution—one by your financial institution, and one by the ATM owner.

Some financial institutions charge transaction fees to customers who make Visa® check card purchases or get cash back at supermarkets using a PIN. Ask your financial institution about such fees before using your Visa® check card.

Many Visa® check cards have daily cash withdrawal limits of up to $1,000, and daily spending limits may be even higher. These spending limits are meant to protect you in case your card is 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 within your checking account. You can always ask the bank to lower or raise your purchase or withdrawal limits to suit your spending habits.

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