If I select “credit” and use my SuperCheck debit card like a Visa card, will I receive a bill in the mail?

What’s the difference between the “debit” and the “credit” options?

When are SuperCheck transactions deducted from my account?

Will I be charged a fee when I use my SuperCheck card for purchases?

Can I choose my own SuperCheck PIN?

What if my SuperCheck is lost or stolen?

If there is an error or suspicious transaction involving my SuperCheck transaction, how do I report it?

If I select “credit” and use my SuperCheck debit card like a Visa card, will I receive a bill in the mail?
No. Whether you use it like an ATM card with your 4-digit PIN or like a Visa® card, the money is deducted from your checking account. Items will appear on your monthly checking statement.

What’s the difference between the “debit” and the “credit” options?

• Choose the "credit" option on the merchant's keypad and your purchase is processed through the Visa® network. The amount still comes out of your checking account, but you don't have to enter your PIN.
   
• Select the "debit" or "ATM" option on the merchant's keypad and enter your PIN. Use this option to get cash back with your purchase.

When are SuperCheck transactions deducted from my account?
Transactions using your 4-digit PIN are deducted immediately. Transactions made without entering your PIN are posted to your account and deducted from your current balance within a few days when VACU receives the final transaction amount. In addition, starting August 3, 2010, amounts authorized for non-PIN transactions will immediately reduce your checking account balance that is available for your next transaction.

Will I be charged a fee when I use my SuperCheck card for purchases?
There are no fees when you use your card as a Visa® "credit" transaction. There are rarely fees when you use your card as an "ATM" or "debit" transaction. However, some merchants, such as gas stations, may transmit a balance inquiry when you use your card as an "ATM" or "debit" transaction, and a balance inquiry fee may result. To avoid that fee, always select "credit."

Can I choose my own SuperCheck PIN?
Yes, you can change your PIN at Virginia Credit Union ATMs. Access the ATM using your current card and PIN, choose “More Selections” on the ATM screen and follow the prompts to select your new PIN.

What if my SuperCheck is lost or stolen?
Call Cardholder Services toll-free 24-hours a day at (800) 449-7728. The Electronic Funds Transfer Disclosure you received with your card has complete details. Safeguard your PIN. Don't keep it in your wallet, checkbook, or anywhere else near your SuperCheck card.

If there is an error or suspicious transaction involving my SuperCheck card, how do I report it?
Call Cardholder Services toll-free 24 hours a day at (800) 449-7728. A representative will take your report and mail you the necessary forms to complete and return. In the case of merchant errors, it may also be possible for you to correct the error by contacting the merchant directly.

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