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ATM/Debit Card

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With the Heritage Family Federal Credit Union ATM/Debit Card you can enjoy the convenience of using a Visa credit card, but, like writing checks, the money is automatically withdrawn from your Sharedraft Account. Some great advantages of using our debit card over using a check are you do not have to show identification, spend a lot of time filling out checks and it makes record keeping easy by providing you with a receipt for your transaction at the time of your purchases. Also, there is no interest to pay when using the ATM/Debit Card. You do not need to have an overdraft line of credit to have an ATM/Debit Card. The amount of the transaction is automatically deducted from your share draft account.

Click here for a complete list of ATMs in our network.

In addition to these convenient locations, the Credit Union's ATM card is accepted at the following networks: NYCE, PLUS, PULSE, STAR & COOP. So, you can access your cash anywhere in the U.S., 24 hours a day, 7 days a week.

Click here for information to see how you can avoid costly Non-sufficient Fund Fees with an overdraft line of credit.

Don't have one? Getting one is easy. Just fill in the information right on the form by clicking in each field and then print it out, sign it, and mail it in.

Click here for a printable application.

Click here for a printable reorder form.

Send completed applications to:
Member Services
Heritage Family Credit Union
Thirty Allen Street
Rutland, VT 05701

Applications may also be picked up in the Credit Union lobby, or requested by telephone. You can request an ATM/Debit Card when applying for a share draft account.  It takes an average of two weeks for you to receive your new ATM/Debit card and PIN. You under 18 years of age must have a parent's signature.
NOTE: The ATM/Debit Card's are now PHONE ACTIVATED. You will no longer activate the card with a pin transaction.
To activate your card, call 1.866.985.2273 from your HOME PHONE.
The card will not work until the PHONE NUMBER is called from your HOME PHONE.
Access: A PIN number is only required when utilizing the ATM/Debit Card at an ATM or POS terminal. A PIN is not needed when purchasing items with your ATM/Debit Card. PINs are generated by a computer, so you are unable to pick your own number at this time. (The PIN for an ATM/Debit Card will be different from your current ATM card if you have one.)

Daily Limits:
Daily limits on the ATM/Debit Card are as follows:
Debit Online: $1,500 / day
Debit Offline: $500 / day
POS Online: $1,500 / day
POS Offline: $500 / day
ATM Online: $405 / day
ATM Offline: $205 / day
Up to 3 deposits per day are allowed. If the total aggregate of any and all deposits is over $500.00, the excess will be held for two business days for verification.


Transaction Types:
1. To purchase items No PIN is required. You may use your ATM/Debit Card at department stores, restaurants and over the phone to purchase items. Just sign and go.
2. To obtain cash at ATMs PIN required .
3. At POS terminals to get cash back PIN required.
Usually located at grocery stores, POS terminals allow you to obtain cash when buying groceries with their ATM/Debit Card.
Overdraft Line-of-Credit: You are not required to have an overdraft line of credit in order to obtain an ATM/Debit Card. You can make purchases up to the amount in the share draft account. However, available funds will include overdraft limit, if applicable. Please remember, only when the sale is processed will the authorized amount be released. Telephone catalog holds are usually longer than stores.
Cards: A card manufacturer sends you the actual ATM/Debit Cards and computes the PIN numbers. You must activate the card by first using it at an ATM machine. The member's account number and PIN number are encoded on the magnetic strip on the back of each ATM/Debit Card. Care should be taken with the cards. If the strip is scratched or bent, the machine will not be able to read the card. Certain devices will demagnetize cards and erase all the information on the strip.
When you order an ATM/Debit Card that already has an ATM Card, the ATM coordinator will not issue any new ATM cards to that member. After receiving a new ATM/Debit Card, you can return your old ATM card. Your old card will not work.
The life expectancy of a ATM/Debit Card is two (2) years. You automatically receive a new ATM card, at no charge, every two years.
Posting of Transactions: In most cases, a purchase transaction made with your ATM/Debit Card will be posted in about two/three days. However, transactions made through ATMs will be posted immediately to your account.


1. Is my ATM/Debit card another credit card?
Although the VISA logo is on your ATM/Debit card, it is not a credit card. Your check card is an enhanced ATM card that may be presented for purchases anywhere VISA is accepted, with the purchase amount deducted from your share draft balance.

2. What are the benefits of using my ATM/Debit card?
Simply put convenience. With the ATM/Debit card in hand you don't need your check book, large amounts of cash, identification or a PIN. You save money with no fees and no finance charge.

3. How does my ATM/Debit card work?
Used as a debit card wherever VISA is accepted, just sign the receipt and the purchase amount (up to your card limit) will be deducted from your share draft account. At ATM machines, use your ATM/Debit card, as you would any ATM card, with your PIN. At POS terminals (grocery stores, etc.) you may use this card (with your PIN) to obtain cash with your purchase.

4. Are there any costs to obtain a Share Excel ATM/Debit card?
No. There is no initial cost or annual fee to open a ATM/Debit card account and obtain the card.

5. Are there any fees when I use my Share Excel ATM/Debit card?
When used as a check card (signature transaction) there is no fee. When used as an ATM card at a Heritage Family Credit Union owned machine there is no fee. There are network fees of $1.00 for any transaction at a non-credit union owned ATM machine. In addition, you may be asked to pay a surcharge by the owner of the ATM machine. When receiving cash back at a POS terminal, there may be a merchant surcharge from $.50 to $1.00.

6. Which accounts are accessible with my ATM/Debit card?
Check card (signature) transactions and point-of-sale transactions are only deducted from your share draft account. When used as an ATM card your share (savings) account is also available to you. Other accounts may be available, depending on the machine location. Please contact the credit union for specifics.

7. How do I keep track of my account activity?
With each check card, ATM or POS transaction you will receive a receipt. Take care to enter each transaction that applies in your check book register. Your monthly credit union statement will have detailed information on each transaction. Don't forget, with e-Branch Home Banking, you can view all of your transactions, as soon as they are posted to your account.

8. What is the procedure for returning merchandise purchased with my check card?
Similar to returning merchandise purchased with a credit card, simply produce the original receipt within the indicated return period.

9. What should I do if my card is lost or stolen?
Contact the credit union at 800.374.8469, 888.252.8932, or 802.775.4930, Monday to Friday from 8:00 - 5:00.
After hours and on weekends, please call 800.523.4175, and we will stop the use of your card. Please contact the credit union during normal business hours for a replacement card.

10. Why am I unable to key in my pin number for an ATM or debit transaction?
The magnetic strip has been demagnetized, bent or scratched rendering the card unusable. Contact the credit union to order a replacement card.

11. Under what circumstances will my pin number change?
The original pin number issued will not change unless the card is lost or stolen.

12. Why can't I get any money out of the ATM?
You may have a loan that is past due more than 10 days. Or you have requested an amount that has exceeded the 24-hour limits.

13. What should I do if I am traveling?
If you plan on traveling and using your debit card, please let us know so we can adjust the card's security strategies to accommodate your needs.

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