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VISA Credit - VISA Debit and ATM Cards:
|
|
VISA Credit |
VISA Debit |
ATM Card |
| Annual Fee |
$12 |
$10 |
$10 |
|
Competitive Rate |
Yes |
N/A |
N/A |
|
Credit Application Required |
Yes |
No |
No |
| 24-Hour Customer
Service |
Yes |
Yes |
Yes |
| Internet Access to
Account Balances |
Yes |
Yes |
Yes |
| On-Line Payments |
Yes |
N/A |
N/A |
| Automatic Payment
Scheduling |
Yes |
N/A |
N/A |
| Worldwide Acceptance |
Yes |
Yes |
Yes (1) |
| Preset Spending
Limit |
Yes |
$1,500 (2) |
$300 (3) |
| Get Cash at ATM
Networks |
Yes |
Yes |
Yes |
| Fees for Cash
Advance |
$0 |
N/A |
N/A |
| ATM Transaction Fee
(4) |
$0 |
$0 |
$0 |
| Grace Period for
Purchases |
25-Days |
N/A |
N/A |
| Late Payment Fee |
$0 |
N/A |
N/A |
(1) ATM cards can be used anywhere the Accel/Exchange;
Plus or Star logo is displayed
(2) Daily purchase limit for signature
transactions is available account balance up to a maximum of $1,500
every 24-hours
(3) ATM transaction daily limit is $300 every
24-hours
(4) No transactions fees for using Polam FCU ATMs or any Bank of the West
ATM. Fees at other ATM locations may be charged by the hosting
institution and not Polam FCU.
Polam VISA Credit Cards:
With so many features, Polam provides a great VISA Credit Card value to it's
members. These benefits make shopping, entertaining, travel and
paying bills easy, safe and convenient.
Call your local Polam office to
apply today >>>
Polam VISA Debit Cards:
Polam offers a VISA Debit Card. This card allows you to make
purchases or payments directly from your checking account wherever
the VISA logo is displayed. The VISA Debit card is in essence a
“Reusable Plastic Check” that offers great security, flexibility and
convenience. Just like the ATM Card, the Debit Card is also linked
directly to your checking account and purchases are deducted from the
account within 72 business hours. There are no monthly bills to pay
or interest since this is a “Debit Card” not a “Credit Card”.
No credit application is required
Polam ATM Card:
The Polam ATM card gives you access to any ATM
worldwide that displays the Accel/Exchange; Star or Plus logo.
No transaction fees for using Polam FCU ATM or any Bank of the West
ATM. Fees at other ATM locations may be charged by the hosting
institution and not Polam FCU.
Card Safety Information:
Using your ATM or debit card is a simple, hassle-free way to get
cash, make deposits, check account balances, transfer funds, make
purchases and more. To enjoy the many conveniences the debit card offers, you
should make protecting your ATM or debit card a priority. Here are
some important safety tips:
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Treat your card like cash – store it in a safe place.
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Never keep your card and PIN number together - memorize your PIN
number.
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Keep your personal identification number (PIN) to yourself. No one
needs to know your PIN, not even
your financial institution.
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Shop carefully online – only use secure sites and network
connections.
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Report a lost or stolen card immediately.
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Review your account statements regularly.
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Never disclose personal information in response to an unsolicited
request.
If you suspect fraud or your card is
lost or stolen please call us immediately at:
(650)
367-8940 in California
(860) 223-0200 in Connecticut.
For help after normal business hour please call:
VISA Debit or ATM Cards: (800) 554-8969
VISA Credit Cards: (800) 808-7330 or (800) 991-4964
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