PSECU: Check Card

Debit / Check Card

Looking for an easier, safer way to pay for your purchases? With our Check Card, you can avoid ATM surcharges and reduce monthly cash withdrawals. Use your Check Card everywhere that Visa debit cards are welcome.

Apply Today

If you are already a PSECU member and would like to apply for a PSECU Visa Debit Card, you can download your application:

Download Application

Please Note:
Report lost or stolen PSECU Check Cards as soon as possible!

For PSECU Call Center information including telephone numbers and hours of operation, Click Here!

What Is The Check Card?

Many people find the Check Card a bit confusing. Is it a credit card or an ATM card? Is it both?

The PSECU Check Card is convenient because it is versatile. It can be used to make withdrawals at an ATM, get cash back with point-of-sale purchases or used like a credit card to make purchases.

The PSECU Check Card is different than a credit card because it actually operates like a personal check -- all purchases are deducted from your Checking Shares (S4).

Debit or Credit?

At a glance, the merchant may not know if the PSECU Check Card is a debit card, credit card or both. The merchant usually asks, "Debit or Credit?", or you swipe your own card and are prompted to make a selection with the push of a button.

Your decision merely determines how the purchase will be processed. The funds will always be deducted from your Checking Shares (S4).

When you select "Credit"...

When you select "Credit", purchases are processed by Visa. You are required to sign a receipt like you would with a credit card purchase and funds in your Checking Shares are put on "hold" until processed.

The advantages to choosing "Credit" are:

Purchases may be protected by Visa's rules and regulations, that allow you to dispute charges improperly processed by merchants.
Visa debit (choosing credit) is more widely accepted with merchants as a form of payment.

In some instances, merchant payment terminals are set-up to force "Debit" transactions. In these instances, you are not given the option to select "Credit". Tell the merchant you prefer a "Credit" transaction.

When you select "Debit"...

When you select "Debit", your purchases are processed by the STAR® System. Therefore, you need to enter a PIN and funds are immediately deducted from your Checking Shares (S4).

You should select "Debit" when you want cash back from the merchant. It saves you a trip to the ATM and saves your surcharge rebate for when you really need it!

Overdrafting

Overdrafting does not apply to the Check Card. If you do not have the appropriate funds in your Checking Shares (S4) at the time of a purchase, your card will be declined.

If you don't have checking with us, we will set-up Checking Shares (S4) on your account once your Check Card is approved.

Check Registers

If you would like a check register to record your transactions, please call the Self-Service Telephone (SST) and dial request code: 6 * 323 #.

For Self-Service Telephone (SST) information including telephone numbers, Click Here!

Stop Paying Surcharge Fees to Withdraw Cash

PSECU belongs to a Surcharge-FREE ATM Alliance which provides its members the ability to withdraw cash without surcharge fees. This alliance consists of over 400 participating credit unions and provides surcharge-free withdrawal access to over 900 ATMs in Pennsylvania (PA).

	The CU$ logo indicates participating ATMs in the Alliance.
	To search for current CU$ surcharge-free ATM locations, Click Here!

Form: #2197 06/05