Choose your site preferences:
Articles
Check Card Convenience
Filed under: Personal Finance, Young Adults, Adults, Retirees
If you're still carrying around wads of cash or a bulky checkbook, you might want to consider carrying an Earthmover Check Card instead. A Check Card, also known as a debit card, is an enhanced version of an ATM card. Like an ATM card, Check Card transactions are tied to your checking account. ATM deposits, transfers, inquiries, and withdrawals can all be done with your Check Card.
Your Check Card is also accepted anywhere you see the Visa logo. You can use your Check Card to pay at the gas station, grocery store, restaurant, and mall instead of writing a check or using your cash. The merchant should treat your Check Card payment just like a credit card payment.
When you pay with your Check Card you should always sign the receipt and NOT enter your PIN like it's an ATM transaction. Any time you enter your PIN at the checkout counter when using your Check Card, it counts as a foreign ATM transaction and you could be charged a fee either by the merchant or the credit union or both. So, if you're trying to cut down on ATM fees just remember: Sign it's free, PIN you pay. Like an ATM card, you also have to remember to write down each transaction in your checkbook register. Nothing spells disaster like unrecorded purchases.
Check Cards have their advantages. A Check Card saves you the time it takes to write a check and show your driver's license at checkout. Using your Check Card helps keep cash in your wallet for those situations where only cash will do. Check Cards can help avoid overspending since you are limited to your checking account balance rather than your credit card limit.
Earthmover Check Card Request forms are available at all four Earthmover locations or call us to have one mailed to you. Your Check Card(s) can be mailed to your home or you can pick them up at the credit union. Request yours today and soon you'll be enjoying the convenience of an Earthmover Check Card.
