Visa Check Card

Our free Visa® check card is available on all personal checking accounts. It brings the power of a check in a tiny package, for purchases around the world.

You can also use it to withdraw cash at any of our convenient ATMs, or use it for signature-based transactions anywhere Visa is accepted.


Your new Classic Bank Visa check card has an EMV chip so you can make more secure purchases. See our "EMV Protection" tab to learn how to take advantage of this exciting new technology!

Summary
  • Use anywhere Visa is accepted
  • No transaction fees or rates to pay
  • Draws from your checking account
  • Security of a Personal Identification Number (PIN)

Please note: As a security measure, if you are planning travel outside the United States, please notify us prior to your trip so we can ensure your accounts are available for foreign transactions.

    EMV Protection

    Enjoy increased fraud protection.

    Your new Classic Bank Visa® check card has an embedded chip that generates a unique, single-use code to validate transactions made at chip-enabled registers--further protecting your card from unauthorized use. Your new chip-enabled card is also known as a "smart card" or "EMV card".

    If a merchant is not enabled for chip payments, your new chip-enabled Classic Bank Visa check card can still be used traditionally, by swiping the magnetic stripe.

    Using your new chip-enabled Classic Bank Visa check card is easy:

    1. Insert the chip end of your Classic Bank Visa check card into the terminal with the chip facing up

    2. Keep your card in the terminal and follow the prompts on the screen

    3. Remove your card when prompted and take your receipt. Keep in mind, you may need to sign for your purchase.


    Frequently Asked Questions:

    Q: Why does my Classic Bank Visa check card now include a chip?

    A: The U.S. is shifting to chip-enabled cards used at chip readers because chip technology has proven successful in reducing fraud in over 130 countries around the world. It's already the standard in Canada, Mexico, South America, Europe and Asia -- and will soon be the standard in the U.S. The embedded chip in your Classic Bank Visa check card protects your card information by generating a unique transaction code each time you use your card at a chip-enabled register.


    Q: Will this new chip-enabled Classic Bank Visa check card change my account?

    A: No. Your new card has simply been updated to provide you with enhanced security. There are no changes to your existing account terms and conditions.


    Q: Will this change how I make purchases at chip-enabled registers?

    A: If the register is chip-enabled, you will see a small change in how you process your transaction. You will be prompted to insert your card into the machine "known as dipping", and your card will remain in the terminal until the transaction has completed. You will be prompted to remove your card when the transaction is complete.


    Q: What if the merchant does not accept chip cards?

    A: Your chip-enabled Classic Bank Visa check card is also equipped with a magnetic stripe that allows you to use your card anywhere VISA debit cards are accepted. You will be able to swipe your card on a traditional card reader.


    Q: Can I still use my old Classic Bank Visa check card?

    A: No. Your new chip-enabled Classic Bank Visa check card replaces your existing card. To properly dispose of your old card, you should shred it or cut it up.


    Q: How will I conduct internet or telephone transactions with my chip-enabled card?

    A: You will conduct these transactions just as you do today.


    Q: Will this impact my prescheduled payments or online billing?

    A: You will need to contact these merchants and provide them with your card number, expiration date and 3-digit security number for your new card.


    Q: Will I still use the same PIN for chip-enabled transactions that I do for ATM transactions?

    A: Yes, you will use the same PIN for Point of Sale (POS) and ATM transactions just as you do today.


    Q: Are there any additional fees for using my Classic Bank Visa check card?

    A: No, there are not an additional costs associated with using your new chip-enabled card. However, the same replacement card fee applies for requested replacement cards. Please refer to the Fee Schedule for more details.


    Q: Do I still need to sign the back of my card?

    A: Yes, you still need to sign the back of your Classic Bank Visa check card for security purposes.


    Q: What number do I call if my card is lost or stolen?

    A: You will contact the 1-800-236-2442. This phone number is also located on the back of your new Classic Bank Visa check card.