Citizens' VISA Check/Debit Card

• The easy way to pay for your purchases.
• It’s the card that works like a check, only better!
• Think of it as your ATM card and your checkbook rolled into one.

How does Citizens’ VISA Check/Debit Card work?

It works like a check at stores, restaurants, and other merchants that display the VISA logo. Just present your card, sign the receipt and your purchase is deducted from your checking account.  At ATMs, it works just like a regular ATM card and requires a PIN.

What is the difference between Citizens' VISA Check/Debit Card and a credit card?

Both are accepted in the same way and at the same places. The difference is that purchases made with Citizens' VISA Check/Debit Card are deducted directly from your checking account so there are no interest charges.

Will Citizens' VISA Check/Debit Card purchases appear on monthly statements?

Yes. The amount, date, and even the place where you used your Citizens' VISA Check/Debit Card will all appear on your monthly checking account statements. Having all of your transactions on one statement helps you keep track of your spending.

How do I get a Citizens' VISA Check/Debit Card?

Stop at any of our office locations and complete a short application and agreement form. 

1. Present your check/debit card as you would a regular credit card when paying for purchases. Always specify it as a “credit” card. This eliminates the need for using a Personal Identification Number (PIN). You can make as many of these transactions as you want each month without charge.
2. Be sure to enter each transaction in your check register and keep your receipts. You will not be able to use more funds than are currently available in your checking account, but if you have outstanding checks, you may still run the risk of overdrafts.
3. Remember that your account balance is only updated at the end of the regular business day. Deposits made into your account are not available for withdrawal with your check/debit card until your account is updated at     10:00 AM and 5:00 PM each business day. Also, only withdrawals made using a PIN are deducted immediately.