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You can request a Check Card by visiting or contacting your local Community Bank or by calling 1-800-239-9427 or DSN# (510) 226-2265 Monday through Friday, 0800 to 1900 U.S. Central Time, except U.S. bank holidays.
Can I convert my ATM card to a Check Card?
Yes. As long as you have a checking account, you can convert your existing ATM card to a Check Card at no charge. Simply contact your local Community Bank or call us at 1-800-239-9427 or DSN# (510) 226-2265 Monday through Friday, 0800 to 1900 U.S. Central Time, except U.S. bank holidays.
What should I do if my PIN (Personal Identification Number) is not working?
Please contact your local Community Bank or call 1-800-239-9427 or DSN# (510) 226-2265 Monday through Friday, 0800 to 1900 U.S. Central Time, except U.S. bank holidays.
How do I activate my Check Card?
To activate your Check Card, use your card at an ATM with your current PIN. Your card will automatically activate. You can also activate your card by using your card with your PIN at a Point of Sale (POS) terminal at a merchant. If you are unable to access an ATM or a POS terminal, please contact your local Community Bank or call 1-800-239-9427 or DSN# (510) 226-2265 Monday through Friday, 0800 to 1900 U.S. Central Time, except U.S. bank holidays.
Will I need two PINs? One to access my ATMs and one to make purchases?
No. You will use the same PIN for both shopping (merchants) and at ATMs.
How can I add additional accounts to my card?
Please visit your local Community Bank or call us at 1-800-239-9427 or DSN# (510) 226-2265 Monday through Friday, 0800 to 1900 U.S. Central Time, except U.S. bank holidays.
What type of accounts and how many accounts can I add to my Check Card?
You must have a primary dollar checking account attached to your Check Card. You can also have additional checking accounts, savings accounts, and sterling accounts attached. The savings account will work as it currently does on your ATM Card for PIN based transactions. The sterling account will work as it currently does on your ATM Card for PIN based transactions at a Community Bank ATM. (Check Cards do not support Savings Only or Sterling Only accounts.) Your Check Card can support up to 27 accounts.
What if I have a Check Card and I decide to close my Checking Account?
The Check Card will not work with a Savings Only account, therefore, the Check Card will need to be closed and you will lose the benefits of having a Check Card. We highly encourage you to maintain your checking account.
What are my Check Card limits?
Online Check Card Limits:
Stand-In/Offline Check Card Limits:
Are my Check Card limits reset daily?
Yes. They are reset daily based on a calendar day.
When does my Check Card expire?
The expiration date is embossed on the Check Card. The cards are issued with an expiration date 3 years after the date it is issued.
How is my Check Card different from an ATM card?
A standard ATM card allows you to access ATMs and make purchases (using your PIN) anywhere you see a network logo displayed that matches a logo on the back of your card.
Your Community Bank Check Card does everything an ATM card can do and more. It is accepted at all Community Bank ATM locations; any ATM that displays a network logo that matches a logo on the back of your card; and you can also use it to purchase goods and services everywhere that Visa debit cards are accepted. If you have a Check Card, there is no need to carry your ATM Card.
Do I have the option of cash back when using my Check Card?
Yes. Some merchants will allow you to authorize more than the cost of goods or services purchased and receive the difference in cash when you use your Visa Check Card.
What should I do if my Check Card is Lost or Stolen or if I notice unauthorized transactions?
Please call us immediately at 1-800-239-9427 or DSN# (510) 226-2265 and select Option 6 from the Main Menu and Option 1 from the sub-menu. Your call will be transferred to our Lost and Stolen Department.
Is there a difference between signing a receipt and using my PIN to authorize a Check Card purchase?
Your option may differ depending on the merchant. Some merchants may require a signature (such as many restaurants), while others may offer you the option of “Credit” or “Debit/ATM” when processing your purchase. Normally, if you select “Credit”, you will sign a receipt to authorize the purchase. If you select “Debit/ATM”, you will use your PIN.
Whether you select “Credit” or “Debit/ATM”, the purchase amount will be deducted from your Community Bank checking account. Generally, there is no transaction fee for either type of transaction. (Merchants may charge a fee.)
Can I use my Check Card to make purchases from telephone order catalogs?
Yes. If the catalog company or the online merchant accepts Visa debit cards, you can use a Visa Check Card to make the purchase.
When I use my Check Card, am I borrowing money from a revolving line of credit? Please explain.
No. Check Card purchases are deducted from funds available in your checking account. However, if your checking account is linked to a Line of Credit and you activate the overdraft line by exceeding the funds available in your account, the standard rules apply to the amount borrowed.
Is my Check Card another type of Credit Card?
No. With credit cards you are borrowing money to pay for purchases and you can repay the loan either in full each month or over time. With a Check Card, purchases are automatically deducted from your checking account and you are using your own funds.
Are there transaction fees for using my Check Card?
There are no transaction fees for using your Community Bank Check Card to make purchases. However, fees may still apply when used at a non-Community Bank ATM and merchants may charge a fee.
When I use my Check Card to shop, will the merchants have access to my account information?
No. The merchant only sees whether or not the transaction is approved, never any specific account information.
Will I get a separate statement for Check Card purchases?
No. All of your Check Card transactions will appear on your monthly checking account statement for the account identified as the primary account.
What is Verified by Visa and how does it work?
Verified by Visa provides you with a way of increasing security for online purchases and other transactions for which Verified by Visa is used by reducing the chances of fraud for those transactions. Buy online with confidence.
Can I pay my bills with my Check Card?
Yes. You may select your Check Card to pay bills. Many national and local merchants and service providers accept Visa. Since you have direct relationships with your service providers and merchants, you must contact them directly to pay a bill with your Visa Check Card.
What are the benefits of paying bills with my Check Card?
Paying bills with your Check Card simplifies your life. Your payments are made quickly and conveniently, and you no longer have to track payment due dates, buy stamps, visit the mailbox, write checks or balance your checkbook. Additionally, Visa bill payments are protected. You are not liable for unauthorized charges made to your account (if you notify us promptly).
Is there a fee for paying bills with my Check Card?
We do not charge a fee for the convenience of bill payment, and many merchants offer this option for free as well. Contact merchants directly to determine if they charge a fee.
What information might a merchant request in order to set up automatic payments on my Check Card?
Typically, merchants require the following information:
Note: If for any reason you must get a new card number or the expiration date has changed, you must notify the merchant to ensure your automatic payments are not affected. The merchant will require the new card number and the new expiration date.
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