Instant Cash and Check Card
	Instant Cash Card
	Card Activation
	Fees and Charges
	Lost or Stolen Card Information
	ATM Locations

Instant Cash and Check Card

Paying with the Instant Cash & Check card is easy!
For most transactions with your Instant Cash & Check card, you’ll just need
To present your card and sign the receipt.

No check writing means no need to carry a bulky checkbook. No need to show multiple forms of identification. Record keeping is easier. When you make a purchase or ATM transaction with the Instant Cash & Check card you’ll receive a receipt. All the details will be listed on your monthly statement.

The VISA symbol means you get all of the advantages of a credit card: convenience, speed and acceptance at more than 12 million merchants worldwide, and a detailed monthly statement. But with your Instant Cash & Check card, there’s no debt build up or interest charges. In addition, there are no
“per-transaction” fees.

Frequently Asked Questions

1. What are the advantages of having an Instant Cash & Check card?
2. How does the Instant Cash & Check card work?
3. How do I record Instant Cash & Check card transactions?
4. How long will it take a merchant purchase to be debited to my account when using an Instant Cash & Check card?
5. What happens if I return something purchased with an Instant Cash & Check card?
6. How is the merchant purchase transaction authorized?
    

1. What are the advantages of having an Instant Cash & Check card?
   
   You are able to “write a check” without carrying a checkbook.
   You can use it as a cash card at an ATM.
   Eliminates the hassle of showing multiple forms of identification when writing
   Checks.
   You can use it anywhere you travel; you don't have to worry about writing a check.
    
2. How does the Instant Cash & Check card work?

   At an ATM, the Instant Cash & Check card works just like the Instant Cash card.
   When using the Instant Cash & Check card to purchase products and services, the
   Merchant looks for the VISA logo and processes the transaction the same way a
   Credit card transaction is processed. However, the difference is that the dollar
   Amount of the purchase is deducted from your checking account.

3. How do I record Instant Cash & Check card transactions?
   
   You will receive a receipt from either the ATM or the merchant. You should record
   The amount in your checkbook register and retain the receipt. Your monthly
   Checking statement will describe the ATM or merchant location, VISA clearing
   Date, and amount in detail.

4. How long will it take a merchant purchase to be debited to my account when using an Instant Cash & Check card?

   Two to five days. Normal posting of merchant purchase will similar to the amount
   Of time a check takes to post to a checking account.

5. What happens if I return something purchased with an Instant Cash &
   Check card?

   The merchant will process a credit, which will generally post to your checking
   Account within the same period of time it took the original transaction to post.

6. How is the merchant purchase transaction authorized?
   
   The merchant will follow the same authorization procedures as for credit card
   Authorizations. VISA will route the transaction request to Instant Cash Services
   For authorization and Instant Cash Services will send a message back through
   VISA telling the merchant to complete or terminate the transaction. Authorization
   Is normally completed within seconds.

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Instant Cash Card

Financial Transactions at your Fingertips.
The card that lets you access your funds when and where you need them.

Need cash in a hurry? With the Instant Cash card you can access your accounts anytime, 24 hours a day, seven days a week.

You can use your Instant Cash card to withdraw from your checking or savings account and check your balances anytime, day or night. And, you don’t have to worry about carrying around extra cash. The Instant Cash card is a faster, easier and more convenient way to do your financial transactions.

The Instant Cash card is easy to use and works at any Instant Cash ATM (and most other systems). Simply insert the card into the ATM slot, enter your Personal Identification Number (PIN), press “Enter” and follow the instructions on the screen.

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Card Activation

To activate your newly issued card please call 1-888-847-3145.
To change your PIN please call 1-877-294-6927. (You must know your old PIN.)

Fees and Charges for ATM Transactions

No annual fee
There is no charge for ATM withdrawals at machines owned by us.
If you use an automated teller machine that is not operated by us, you may be charged a
      fee by the operator/owner of the machine and/or by the automated transfer network.
$5.00 fee to replace a lost card

Lost or Stolen Card Information

Immediately call 1-800-535-8440 if your Instant Cash card or Instant Cash and Check card is lost or stolen. Please contact the Bank of Turtle Lake to order a new card.

ATM Locations

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