• ATM
  • Q. What types of transactions can be completed with my ATM card at an Advantage ATM?

    A. You can make withdrawals, deposits, transfers, balance inquiries and loan payments. Some ATMs allow you to purchase postage stamps.

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  • Q. Is it possible for me to deposit a portion of my check into more than one account with one transaction?

    A. No, you must deposit the entire amount of the check to one account and then transfer the desired amount from that account to the second account.

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  • Checkcard
  • Q. How do I use my Advantage ATM & Checkcard?

    A. To conduct a signature-based transaction:
    1. The merchant must accept Visa or MasterCard debit cards, whichever logo is on your card.
    2. Swipe or insert your Advantage card at the merchant terminal.
    3. Select the "Credit' option.
    4. The merchant will give you a receipt to sign and a copy for your records.
    5. Your checking account will usually be charged within 1-3 business days.

    To conduct a PIN-based debit transaction:
    1. Swipe or insert your Advantage card at the merchant terminal.
    2. Select the "Debit" option.
    3. Enter your PIN to authorize the payment. If desired, select cash back (this option is only available with PIN-based transactions).
    4. The payment is authorized and your checking account will be charged within one business day.

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  • Q. Is there a maximum daily withdrawal limit?

    A. Yes. There are three separate daily limits set by your financial institution; an ATM withdrawal limit, a purchase limit and a teller cash-advance limit. Any of these limits can be adjusted to suit your personal needs. Please contact your financial institution for assistance.

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  • Q. What should I do if my Advantage ATM & Checkcard is lost or stolen?

    A. Report it to your financial institution immediately! After hours, call 1-800-236-2442. You may be liable for the following losses: ATM and PIN-based purchases: For fraudulent ATM and PIN-based purchase transactions, your loss is a maximum of $50 if you notify your financial institution within two business days of learning of the loss of your card. Failure to notify your financial institution within this time fram can result in you being liable for up to $500. Visa signature purchases: Your financial institution will not hold you liable for unauthorized transactions. MasterCard signature transactions: You may have limited liability to your financial institution for unauthorized transactions.

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  • General
  • Q. Can I use my card as soon as I receive it?
    A. For your protection, Advantage ATM & Checkcards are inactive when issued. To activate your Checkcard, you must either call a toll-free number provided with your card (1-877-219-4344), or complete a transaction at an ATM. [top]
  • Q. What precautions should I take to prevent fraud or theft?
    A. Memorize your PIN! DO NOT write it down, especially on your card! When making a purchase, keep your card in sight at all times. [top]
  • Q. Can I change my PIN?
    A. Change your PIN by calling 1-877-219-4344 and following the prompts. Or, change your PIN at any Advantage ATM by following the instructions at the ATM. Either change is effective immediately. [top]
  • Q.What if I'm having problems using my Checkcard?

    A. Please contact your financial institution for assistance. Some of the reasons a card may not work are: the magnetic stripe may be damaged or scratched, you may be attempting purchases or withdrawals over your daily limit, the card may be inactivated due to multiple denials, etc.

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  • Q. How many times can I attempt to enter my PIN?
    A. If, after three attempts, the correct PIN is not entered into the ATM, then the machine will issue a receipt stating that you are entering an incorrect number. Contact your financial institution for the correct PIN. After five invalid attempts your card will be inactivated, and you will need to contact your financial institution to reset your PIN. [top]
  • Q. When does my transaction amount get deducted from my account?
    A. After you have completed an ATM transaction, the ATM will provide you a receipt. If the transaction was made before 1:00 pm, the amount will be deducted from your account that business day. If the transaction was made after 1:00 pm, the amount will be deducted from your account the following business day. [top]
  • Q. What can I do to help prevent fraud or theft?
    A. Memorize your PIN! DO NOT write it down, especially on your card, and never disclose your PIN to anyone. [top]
  • Q. How do I know which payment option to use?
    A. Use whichever payment method you feel most comfortable with! Most merchants accept both payment options, some merchants only accept signature-based transactions, and some merchants only accept PIN-based transactions. Because your Advantage ATM & Checkcard has both signature and PIN features, you can now use your card at even more locations! When you swipe your card at some merchant terminals, you may be automatically prompted with a certain payment method. You have the right to select the payment method you prefer if the merchant accepts both signature and PIN-based transactions. [top]