Using your Visa Check Card

When you receive your Visa Check Card, you will need to call the phone number listed to activate the card. Your PIN number will arrive via a separate mailing. Do not write your PIN # on your card. Memorize it and do not carry it with you.

You are allowed 4 ATM transactions per month at no charge from Century CU. For each transaction in excess of 4 per month, you will be charged $1.

If you believe your card has been lost or stolen or that someone may transfer money from your account without your permission, call the credit union immediately at (828) 326-8512. If it is not within our normal business hours (M-F 9-5), call 1 800-453-4270.

Fraud and identity theft can be reported to the credit bureaus at:
Equifax - 800 525-6285 | Experian - 800 831-5614 | Trans Union - 800 680-7289

When you use your check card, the transaction places an immediate hold on funds in your checking account. There is no "float" time.

When you make a purchase (grocery store, department store, etc):

• Swipe your card
• Press "credit"
• Sign a receipt
• Can't get cash back

When you purchase gas:

• Swipe your card
• Press "credit"
• You may be required to go inside to sign the receipt

At the ATM (for a cash withdrawal):

• Swipe your card
• ATM will ask Deposit, withdrawal or credit card transaction
• Press "credit card". If it doesn't ask credit card, press "withdrawal"
• Proceed by prompts
• Cash advances are limited to $200 (if available in your account)
• Try to use State Employees ATM machines. They do not charge a fee. Other financial institutions charge $1+

Keep in mind that this is a Visa Check Card, NOT an ATM card.

Your Visa card is now equipped with Verified by Visa - it password protects your card for free. Once you activate your card, Verified by Visa protects you at every participating online store - so only you can use your card.

Click here for more details about the Visa Security Program.