A VISAŽ check card automatically deducts purchase amounts from checking accounts, just like withdrawing cash or writing a check!
VISAŽ check card purchases can be completed in two ways, either by signing a receipt, or by entering a PIN. It's your choice!
You can get through the checkout line quicker with your VISAŽ check card! You don't have to worry anymore about carrying cash or writing a check at the checkout counter! You can get in, get out and get on with life!
Dealing with your daily finances should be an easy thing to do. Checking, savings; these are the basics of financial freedom. That's why Prospera delivers no-fee checking, no bounce overdraft protection, a variety of savings options and a large surcharge-free ATM network. You see, we want to be invisible, so nothing we do ever comes between you and your money.
What is a VISAŽ check card and how is it different from a credit card?
A check card is a type of "debit" card that looks and acts similar to a credit card but replaces your typical paper checks-the purchase amount is deducted right from your checking account.
Credit vs. Debit
You may use your VISAŽ check card by signing for your purchase-this is a credit purchase. However, unlike a credit card, check cards may be used with a personal identification number (PIN) to request "cash back" when making a purchase at certain stores-this is a debit purchase and you do not have to sign. Both types of transactions are still deducted directly from your checking account. Choosing "credit" does not mean "credit card." Because the money is deducted directly from your checking account a check card does not accrue interest whereas a credit card does.
Your VISAŽ check card can also be used to withdraw cash from ATMs by using your PIN number. Visit myprospera.com/general/atm.asp for a listing of surcharge-free ATMs.
We Recommend Credit
You should select "credit" instead of "debit" when using your VISAŽ check card and maintain your debits at 6 per month. This will help you to avoid any unwanted fees. Beware of certain retailers that automatically register transactions as debit; be sure to request credit!
The VISAŽ check card offers greater security protections at the checkout line than cash or checks. VISAŽ offers cardholders Zero Liability in cases of card fraud, theft or unauthorized card purchases when used in signature-based transactions.
It's Speedy, Safe, Convenient and Accepted at Millions of VISAŽ Debit Locations Worldwide Acceptance: The VISAŽ check card can be used at almost all VISAŽ merchant locations worldwide. It can be used over the telephone and the internet. Certain merchants allow automatic bill payment from your check card to take the hassle out of standard monthly household bills.
Budgeting: The check card also allows you to spend within your means and helps you to avoid debt while maintaining the convenience of paying with plastic!
Protections: The VISAŽ check card offers greater security protections at the checkout line than cash or checks. VISAŽ offers cardholders Zero Liability in cases of card fraud, theft or unauthorized card purchases when used in signature-based transactions. (Another reason to choose credit instead of debit.)
Additionally, when cardholders sign for their purchases they are afforded dispute resolution protection in case there is something wrong with their purchase-something cash or checks can't offer. Moreover, VISAŽ's sophisticated neural networks use artificial intelligence to detect and report fraudulent spending patterns in real time to keep fraud to an all-time low.
Speed: The VISAŽ check card lets you check out quickly instead of waiting while merchants gather information to verify a check.
Convenience: The VISAŽ check card frees cardholders from having to carry bulky checkbooks, multiple identification cards and large amounts of cash. Your financial institution supplies a record of all transactions conducted on yoru monthly checking statements.
Check Card Safety Tips
Treat your card like cash. Keep it safe.
Keep your PIN a secret.
Do not disclose information over the phone, internet or email unless you initiate the transaction.
Review your account statements.
Report a lost or stolen card at once!
If Your Card is Lost or Stolen:
Promptly call your financial institution. Prompt notice will limit potential liability for unauthorized transactions.
In the event of theft, contact your local law enforcement.
