Enter a new age of financial transactions with the Instant Cash & Check card. When you use your Instant Cash & Check card to make a purchase wherever VISA® is accepted, the amount is automatically deducted from your checking account. Just like a check - only much easier! The Instant Cash & Check card can replace your checkbook in most situations. Use your card for everything you do everyday: shopping, groceries, travel, and dining out!

But that's not all, your Instant Cash & Check card also works as an ATM card, allowing you access to cash everywhere.

Key Benefits

• Your Instant Cash & Check card gives you global access to your deposit account without a checkbook or the hassles of check-writing and check approval.
• Enjoy worldwide ATM access to your Share Savings and Checking accounts at over 350,000 ATMs bearing the following Network Logos:

  Instant Cash Services	VISA®	Cirrus®

• ATM Fee and Surcharge FREE transactions at all three NSFCU ATMs: Silver Bay Spur (Highway 61 & Outer Drive, Silver Bay), NSFCU Office Entryway  (Highway 61, Lutsen), and NSFCU Office Drive-Up (Highway 61, Grand Marais).
• Member Select PIN. Choose your own Personal Identification Number.

Here's how your Instant Cash & Check card works at any VISA® merchant location worldwide:

1. Request to pay with VISA® and present your card!
2. If you are prompted for a choice at a merchant terminal, respond as you would for any VISA® card transaction; push the CREDIT button - NOT the debit or ATM button.
3. The transaction amount, up to your daily dollar limit, will be automatically deducted from the funds available in your account.
4. Sign the sales receipt. It's that easy!
5. Enter the transaction amount in your check register.

Pricing

• No Monthly Card Fee!
• $1.00 Fee for ATM Transactions (withdrawals) at ATMs not owned by NSFCU (ATM owner may assess a surcharge for use of their ATM).
• FREE Unlimited Purchase Transactions.

To report your NSFCU Instant Cash & Check Card lost or stolen, please call 1-800-535-8440, 24 hours a day, seven days a week.

For NSFCU Instant Cash & Check Card Member Service please call either credit union office between the hours of 8:00 am and 5:00 pm, Monday through Friday.

Safety Tips

Please follow these steps to help prevent unauthorized card use:

• Sign the back of your card upon receipt.
• Memorize your Personal Identification Number (PIN). Do NOT write it on the back of your card or keep it with you. Never give out your PIN to anyone.
• Safeguard your account number. Always obtain merchant receipts and destroy carbons. Remember to pick up your ATM receipts before leaving the ATM.
• If you lose your card or if it is stolen call 1-800-535-8440 immediately.