VISA CHECK CARD FREQUENTLY ASKED QUESTIONS
Here are the questions we are most often asked about
Bank of Arizona's ATM and Check Card. Click any question below to go directly to the detailed answer
or browse through the FAQ's that follow.
What is a Bank of Arizona Check Card?
The Bank of Arizona Check Card is an enhanced ATM card. It's still an ATM card with the added
buying power of the Visa® symbol. So you can use it to get cash, and you can
also use it to pay for everyday purchases right from your checking account - at over 16
million worldwide locations, including many places that don't take checks. Either way you
use it, the amount is deducted from your primary checking account.
Where can I use the card?
The Bank of Arizona VISA Check Card is accepted at millions of merchant locations. Use your card to purchase groceries, gas, lunch, clothes, or anything you want while shopping around town or on vacation. You can also use your Check Card for purchases over the phone or online. Your check card also doubles as an ATM card. Click here to find the ATM closest to you!
How does the card work?
Here's how to make a purchase:
- Simply present your card.
- Sign the sales receipt.
- Take your receipt and you're done!
The funds used to make the purchase are taken directly out of your primary checking
account, usually within 1-3 days, so there are no bills to pay later.
What is the cash withdrawal limit on the ATM & Check Card?
It varies by customer. Call our 24-Hour ExpressBank if you
do not know your limit.
What is the maximum daily purchase limit on my ATM/Check Card?
It varies by customer. Limits are subject to available balance (including overdraft
protection funds). Call our 24-Hour ExpressBank if you
do not know your limit.
When are the benefits to using this card?
The Check Card is faster, safer, and smarter than using cash or checks for purchases.
There's no need to carry extra cash or wait for check approval. Best of all, there's no
bill to pay later for these purchases, because the amount is taken directly out of your
checking account.
Does the Visa logo mean it's a credit card?
Absolutely not! The Check Card is not a credit card. With the Check Card, you access
funds from your checking account - not a credit account, so there is no monthly bill.
What happens if I don't have enough money in my checking account to
cover a purchase?
You must have sufficient funds in your primary checking account when you use your card
to make a purchase. If you do not have sufficient funds, the amount of the purchase will
not be authorized and the merchant will not process the sale. In the event that overdraft
protection is used to complete the purchase, an overdraft fee may apply..
How do I keep track of my spending with the ATM & Check Card?
Simply save your receipts and enter the amount of each purchase or transaction into
your check register or check your account information online.
You get a detailed record of each transaction on your monthly checking account statement
and online, so it's easy to know what you spent and where you spent it!
How do I get a ATM/Check Card?
If you have a Bank of Arizona checking account, simply call our 24-Hour ExpressBank.
If you don't have a Bank of Arizona checking account, simply open a Bank of Arizona checking account and apply
for an ATM/Check Card. You may either call our 24-Hour ExpressBank or if
prefer, click here
and apply online.
How safe is my ATM/Check Card?
Your card is safer than checks or cash. You have zero liability if your card is ever
lost or stolen. Just notify the bank promptly and you will not be liable for unauthorized
transactions. Refer to your Agreements & Disclosures for details.
Who do I contact if my Card is lost or stolen?
Contact our 24-Hour
ExpressBank immediately if your card has been lost or stolen, or if you suspect
unauthorized use.
Do I need to use my PIN at Visa merchant locations?
No.You can use your Check Card just like you would use a credit card. Simply swipe the
card, or give it to the salesperson and then sign the receipt.
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