ATM Cards/Visa Debit Cards   Until further notice, we will no longer accept ATM or Debit Card transactions from any foreign country.  This includes foreign-based Internet transactions. This action is being taken in order to protect our members' accounts from the latest "card compromise" and the resulting increase in fraudulent card activity via foreign ATMs and foreign retailers.  This action is proactive and not in response to any fraudulent activity or losses at our credit union.   ATM Cards Any member with a savings and/or checking account may apply for an ATM card.  The card carries a $300 per day daily limit. The processors day runs from 3:30pm to 3:29pm. In other words, if you made a $300 withdrawal at 3:25pm -- you could make another $300 withdrawal after 3:30pm -- since 3:30 begins a new ATM day. Members may then use their card at any domestic (U.S. only) ATM that displays the NYCE, PLUS or CIRRUS logo.  This program allows 24/7 access to your account at hundreds of ATMs in the Capital District -- and thousands of ATMs throughout the country.  ATM Security: No one can access your account without the PIN, therefore: Don't ever write you PIN number on your ATM card. Don't keep a written copy of the PIN with your card or in your purse or wallet. Don't show or tell anyone your PIN. Card lock-out occurs after 3rd PIN failure and must be reset by the main office.   Lost/Stolen Cards:  If your Debit Card is lost or stolen:  immediately contact the main office at 518-262-3090.  If it is during non-business hours, contact our Lost/Stolen Card Department at 1-800-236-2442, and then notify the credit union on the next business day.  Failure to provide proper notification may result in the loss of funds from your account. VISA Debit Cards To receive a Debit card--you must have a checking account with this credit union and meet credit qualifications. If you do not meet the credit qualifications for a debit card, you may still request an ATM card. ATM Usage:  Members may use their debit card at any domestic ATM that displays the NYCE, PLUS, CIRRUS, or VISA Logo.  As with our ATM cards: Don't ever write you PIN number on your card. Don't keep a written copy of the PIN with your card or in your purse or wallet. Don't show or tell anyone your PIN. Card lock-out occurs after 3rd PIN failure and your card must be reset by the main office.  The lock-out will also block your card from being used as a debit card.   Purchases:  Members may use their Debit Card at any domestic store or business that displays the VISA  Logo.  Please remember, however, this is a debit card--not a credit card--you must have enough money in your account to cover the cost of the purchase.  For security reasons, you may not use your credit union Debit Card to make foreign purchases via the internet.  We suggest you use a regular credit card or an online service like PayPal.  Lost/Stolen Cards:  If your Debit Card is lost or stolen:  immediately contact the main office at 518-262-3090.  If it is during non-business hours, contact our Lost/Stolen Card Department at 1-800-236-2442, and then notify the credit union on the next business day.  Failure to provide proper notification may result in the loss of funds from your account. ATM/Debit Card Fees Unlimited "free" ATM withdrawals (Note:  If the ATM withdrawal is at an ATM that is not owned by this credit union, there may be a "service charge" by the ATM owner). $.50 for balance inquires (except at our 4 ATMs) "Surcharge Free" at any ATM that is part of the "SUM" program (To find a list of SUM ATM's, click on "Surcharge Free ATM's" Link at the top of the page) Member Selected PIN You have the option of choosing your own "PIN" (Personal Identification Number).  When you sign up for the card, you will receive instructions and a telephone number to call in order to choose your own PIN.  The procedure is easy and takes less than a minute.  (Note: You must not hang up until you hear the automated operator say "Thank you for using phone PIN").    Choosing your own PIN allows you to choose a number that's easy to remember.  If , for some reason, you do not call and select your own PIN --a system generated PIN is automatically selected and mailed to you. Important Tips on ATM/Debit Card Safety and Loss Prevention ATM and Debit Card Safety Treat your card like cash. Keep it in a safe place.   Keep your personal identification number (PIN) a secret. Never write it on your card or carry it in your purse of wallet.   Do not disclose card information over the phone to anyone. No one needs to know your PIN, not even your financial institution.   Never disclose information about your card in response to an unsolicited e-mail or request.   Make certain your Internet shopping sites are secure. Look for the “https” in the address and the “closed lock” on the bottom right side of the webpage.   Protect your card's magnetic stripe. Do not expose your card's magnetic stripe to magnetic objects.   Report a lost or stolen card at once. Call 1-800-236-2442   Use our free Online Banking Service to periodically review account transactions (see the "Quick Click link" in the upper right hand corner of this page)   Carefully review your account statements.   ATM Safety Observe the ATM surroundings before approaching a walk-up ATM. If anyone or anything appears to be suspicious, cancel your transaction and leave the area at once.   If an ATM is obstructed from view or poorly lit, go to another ATM. It is a good idea to take along a companion when using an ATM, especially at night.   Minimize time spent at the ATM by having your card out and ready to use. Do not let anyone see how much money you withdrew, and never count your money at the ATM.   Never allow a stranger to assist you in conducting an ATM transaction, even if you have trouble or if your card is stuck.   Stand between the ATM and anyone waiting to use the terminal so that others cannot see your PIN or transaction amount.   Look for possible fraudulent devices attached to the ATM. If the ATM looks different or appears to have any alterations or attachments to the card slot or PIN pad, do not use it. Drive-Up ATM Safety Keep the doors locked, windows up and engine running at all times when waiting in line.   Leave enough room between cars to allow for a quick exit should it become necessary.   Before lowering the window to use a drive-up ATM, observe the entire surrounding area. If anyone or anything appears to be suspicious, cancel your transaction and drive away at once.   Minimize time spent at the ATM by having your card out and ready to use. Once your transaction is complete, take your money, card and receipt and immediately drive away from the terminal.   If anyone follows you after you have completed your ATM transaction, go immediately to a crowded, well-lit area and call the police. PIN Debit Safety Never allow the cashier or anyone else to enter your PIN for you, even if they are assisting you with the transaction.   Block the view of others when using a POS terminal.   Be sure the transaction is complete and you have received a receipt before leaving.   If you received cash back, put it away before leaving the terminal.   When using an outdoor POS terminal such as at a gas station, observe your surroundings before making a transaction. If anything looks suspicious, leave the area at once.   It is a good idea to take someone with you when using an outdoor POS terminal at night.   If anyone follows you after you have completed your POS transaction, go immediately to a crowded, well-lit area and call the police.