Questions about the cards
Is the VISA® Check Card a credit card?
No. It is an enhanced Peoples Trust Company ATM card that can be used for payment purchases anywhere VISA® Debit Cards are accepted. Your purchases will be deducted from your Peoples Trust Company Checking Account.

Where can I use my VISA® Check Card?
You can use your card anywhere VISA® Debit Cards are accepted: department stores, restaurants, supermarkets, gas stations and hotels, just to name a few. Whether you're shopping around the corner or the world, your card will be accepted anywhere VISA® Debit Cards are accepted – at more than 16 million locations worldwide. In addition, since your VISA® Check Card is an "enhanced ATM card", you can use it at any Peoples Trust Company ATM and at thousands of VINA®, NYCE® and Plus® ATMs.

How do I use my VISA® Check Card?
When purchasing an item or service, just present your VISA® Check Card at the time of the purchase and the amount will be deducted from your Checking Account. You will always get a receipt and every transaction is detailed on your Checking Account statement.

What are the daily limits for this card?
You may make VISA® Check Card purchases up to the available balance in your Checking Account, but no more than the daily limit of your card, typically $500, unless we notify you otherwise. Please refer to our Electronic Funds Disclosure Statement for further information.

When will my VISA® Check Card purchases be reflected in my Checking Account?
Check Card transactions will typically post in one to four days, just like a check. Every transaction will be detailed on your Checking Account statement.

What are the benefits of using my VISA® Check Card?
The conveniences are many:

• No checkbook to carry
• No checks to write
• No ID to show
• No waiting for check approval

It's easy and welcomed everywhere VISA® is accepted.

How do I keep track of my purchases?

• You will receive a receipt with each VISA® Check Card purchase and ATM transaction. You should record each amount in your check register.
• All purchases and ATM transactions will be listed in your monthly Checking Account statement.
  

What if I want to return a purchase made with my VISA® Check Card?
No problem. Returns are simplified with the VISA® Check Card. Just present your card and receipt to the merchant and your card will be credited.

What accounts can I access?
For ATM use, you will be able to access the Checking and Savings Accounts you designated on your application. VISA® Check Card purchases will be deducted only from your Peoples Trust Company primary Checking Account.

What about fees?

• There are no fees when you make VISA® Check Card purchases.
• There are no fees when you use a Peoples Trust Company or VINA ATM.
• Using an ATM outside of Peoples Trust Company's VINA network will incur a $1.00 fee charged to your account. In addition, you may also be subjected to a fee imposed by the ATM's own operator and/or network.

What do I do if the merchant's terminal gives me a choice between debit and credit?
You can choose either one. If you press debit you'll enter your PIN. If you choose credit you'll sign a sales receipt. Peoples Trust Company will deduct the amount from your Checking Account in either case.

Can both my spouse and I each have cards?
Yes, if you each qualify.

What happens if my VISA® Check Card is lost or stolen?
Please call us at (802) 524-2196 immediately. We will stop the use of your card and order a new one for you. Please refer to our Electronic Funds Transfer Disclosure for more detailed information.

Where can I get more information on my VISA® Check Card?
Stop by any Peoples Trust Company branch or call us at (802) 524-2196.