Personal Banking
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Check Card

The Crosby State Bank Check Card offers additional services that give you greater versatility for managing your financial needs. You may use your Check Card to pay for goods and services at any merchant where VISA is accepted. The purchase is deducted from your checking account. Also, this card can be used as an ATM card. The following is a disclosure statement made in compliance with certain disclosure requirements imposed on financial institutions by the Electronic Funds Transfer Act and Regulation E of the Federal Reserve Board which apply to the consumers only. 

Personal Identification Number (PIN)
Upon receipt of your card and Personal Identification Number (PIN), you are required to sign your name on the signature panel on the back of the card. You are responsible for the proper control in your use of the card and PIN. We must be notified immediately if you believe your card has been lost or stolen or if a transfer of funds has been made without your permission. For your protection you should keep your PIN secret and not write it on the card or keep it any place where it may be found with the card.

Limitations of Transactions
For security reasons, there are limitations on the dollar amounts of transactions. Cash withdrawals at an ATM machine are limited to $600.00 per day. Retail purchases, including point-of-sale transactions, where you do not utilize your PIN, are limited to $1,250.00 outstanding at any time.

Types of Transactions
You may use your Check Card at automated teller machines (ATM) and Visa Merchants throughout the world.  However some of these functions may not be available at all terminals.

• ATM cash withdrawals with card and PIN
• ATM transfer of funds between checking and savings
• ATM obtain account balance
• Retail purchases at VISA merchants
• No transaction fees if used at Crosby State Bank ATMs

Documentation
When you complete an ATM transaction, you will receive the following information on a receipt-amount of money withdrawn, date of transaction, identity of the account, location of terminal, transaction number and card number. You have a right to get a receipt at the time you have a transaction in a retail establishment. You will get a monthly statement for your savings account, when there are Check Card transactions in a particular month. Your monthly account statement will indicate your Check Card transactions, as well as any fees incurred as a result of using your Check Card.

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