ATM and Debit Cards


Key Features


  • ATM and Debit Cards can be used at Cash Points without being charged a fee
  • Other ATM Machine access if they honor STAR & PLUS NETWORK
  • All other ATM machines may have a charge
  • Withdraw up to $600 per day (if available in their account)
ATM transfers available at STAR AND PLUS NETWORKS: You may access your account by your ATM or Debit card using your personal pin number to:
  • Get cash withdrawals from share draft accounts
  • Get cash withdrawals from share savings account
  • Transfer funds between share draft and share savings accounts
  • Some of these services may not be available at all ATMs.

DEBIT Cards


  • Make payments by phone
  • Transaction can be processed as a Debit or Credit. (Encourage members to process as a credit - this allows Telco CU to earn more money. The member enjoys the benefits of the coverage of a credit purchase, even though the transaction will process out of their checking account)
  • Make purchases anywhere the Visa logo is displayed

Key Benefits


  • Make transfers or purchases online without leaving home
  • Save Time
  • Quick and easy check out
  • When processed as a credit, check out even quicker

ATM and Debit Card Policies and Procedures


  • Telco charges a $10.00 fee when opening a savings account for an ATM card.
  • Telco will block the member’s card if the account balance is in the negative.
  • If funds are not received within the stated time period, their ATM/ Debit card will be captured.
  • The captured card will not be reissued until the member has maintained a positive balance in all accounts for a three month period.
  • Telco will charge members a $10.00 fee for replacement cards that were lost or damaged after 3 card replacements.
  • 6 Electronic Transfers allowed each month.
  • After trying 6 times it won’t transfer and won’t allow Overdraft Protection.
  • Keep ATM AND DEBIT Cards in a safe place.
  • Don’t keep near cell phones or other cards because they can become demagnetized.
  • Also keep your pin number in your cell phone so you want forget.

For Lost or Stolen cards, call 1-800-754-4128.

Demagnetized ATM/Debit Cards

Did you know that there are several things you can do to prevent credit cards or ATM/Debit cards from being demagnetized?
Do not keep your cards near your cell phone, other credit cards or near anything magnetic. Magnetic closures on pocketbooks or wallets will also cause problems. Keeping them in separate slots in your wallet will help prevent demagnetization. Telco will charge members $10.00 for replacement ATM/Debit cards that were lost, damaged, etc beginning with their third card. The first two cards and ALL automatically reissued cards will be provided to the member at no charge.