Debit Cards
A Debit Card Makes Your Checking Account Work Smarter for You

The debit card is a handy financial tool that allows you to make purchases, get cash and access your checking account 24 hours a day. Also called a check card, the debit card work likes a check. When you make a purchase the money is taken directly out of your checking account - unlike a credit card where you are billed later for your purchases.

Retail purchases are faster and easier when you use a debit card. You don't have to fill out a check, present identification and wait while it's verified. Use it for purchasing online, too.

You can also use your debit card at designated ATMs to withdraw cash, make deposits, transfer funds, make loan payments and request mini-statements. Simply keep the receipts you get from retail merchants or ATMs and record the amounts later in your checkbook register. In many cases, you can establish a line of credit to safeguard against accidental overdrafts.

Debit card transactions appear on your monthly checking account statement along with details on the location, date and amount of transaction. You can also track your transactions online by accessing your account via home banking.

To order your debit card, call Member Services at (513) 785-3500.

• Memorize your personal identification number (PIN). Never write it on anything in your wallet or on the card itself.
• In choosing a PIN, avoid numbers and letters that relate to your personal information such as your birthday, telephone or Social Security number.
• Keep a record of your account number, expiration date and our phone number so you can report a loss quickly.
• Keep your receipts until you check them against your monthly statement or they appear online.
• When using an ATM, be aware of your surroundings. If the machine is obstructed from view or poorly lit, choose another ATM. Have your card out and ready to use.
• Block the screen and keyboard so anyone waiting to use the ATM cannot see you enter your PIN or transaction amount.
• When using a drive-up ATM, make sure all passenger car doors are locked and windows are up.
• Do not leave your car unlocked or engine running when you get out to use an ATM.
• If your card is lost or stolen, call us immediately and we'll cancel it and send a replacement card.