Debit Cards

State Employees' Credit Union offers two types of debit cards: CashPoints and VISA Check. Both types of debit cards may be used as an ATM card or for purchases.

Features

• Individual ownership - each member has their own card in their own name
• Provides account access via ASK SECU and online Member Access
• Accepted at CashPoints and Plus Network ATM locations
• No fee for purchases or for transactions performed at a CashPoints ATM
• Member ID photo may be added for additional security

SECU Debit Cards
CashPoints Cards	VISA Check Cards
Checking account not required unless used for purchases	Checking account required
Perform ATM transactions	Perform ATM transactions
Make purchases at national Interlink merchants	Make purchases at worldwide VISA merchants or online1
Debits funds directly from the primary checking account	Debits funds directly from the primary checking account
Requires PIN entry for all purchases	Requires PIN entry when debit purchases or requires signature for credit purchases
$2500 daily purchase limit2	$2500 daily purchase limit2
$500 maximum daily cash withdrawal limit	$500 maximum daily cash withdrawal limit

Immediately report lost or stolen Credit Union debit/credit cards by calling (888) 732-8562 or (919) 857-2150.

Visa Account Updater (VAU)

Merchants that participate in the Visa Account Updater (VAU)³ program can now receive updated cardholder information for recurring Visa check card transactions. Information such as your expiration date, card number (if the original card was lost/stolen or transferred), and closed card notifications are updated daily and communicated directly to participating merchants with whom you have recurring payments.

This service only applies to recurring Visa check card payments. As a result, you will no longer have to contact the merchant to update your card information which will help prevent disruption of your recurring payments. You may opt out of this feature at any time by contacting your local branch or the Call Center.

Unauthorized Transaction Liabilities

For unauthorized ATM transactions, your liability is as follows:

• If you believe your card and PIN have been lost or stolen and notify us within two business days, your liability will not exceed $50.00 if someone uses your card and PIN without your permission.
• If you do NOT tell us within two business days after you learn of the loss or theft of your card and PIN, and we can prove we could have stopped someone from using the card without your permission had you notified us, you may lose as much as $500.00.

For unauthorized purchase transactions, your liability is as follows:

• The cardholder has no liability for any unauthorized (fraudulent) signature based purchase transaction. This limit applies to all consumer card purchases, including those on the internet.

If your statement shows transactions that you did not make, notify us at once. If you do not tell us within 60 days after the statement was mailed, you may not receive the lost money if we can prove that we could have stopped someone from taking the money had you told us in time.

For more information concerning debit cards, please see our Automated and Electronic Services brochure. To apply for a debit card, complete the Debit Card/Voice and Internet Application  and take it to your local branch or mail it to :

State Employees' Credit Union
PO Box 28540
Raleigh, NC 27611

Other Related Links:

• Cardholder Rules & Regs
• Verified by Visa Website
• ASK SECU
• Member Access
• Automated and Electronic Services Brochure