VISA CHECK CARD FREQUENTLY ASKED QUESTIONS
Here are the questions we are most
often asked about the Bank of Arkansas ATM and Check Card. Click any question below to go
directly to the detailed answer or browse through the FAQ's that follow.
What is a Bank of Arkansas Check Card?
The Bank of Arkansas Check Card is an enhanced ATM card. It's
still an ATM card with the added buying power of the Visa® symbol. So you can
use it to get cash, and you can also use it to pay for everyday purchases right from your
checking account - at over 16 million worldwide locations, including many places that
don't take checks. Either way you use it, the amount is deducted from your primary
checking account.
What is the Bank of Arkansas ATM Rebate program?
Bank of Arkansas now offers all of our clients with a Bank of Arkansas ATM/Check Card the ability to make every ATM in the United States TOTALLY FREE!!!
Simply mail your original ATM receipts, along with a completed Bank of Arkansas ATM Rebate Form, to the address below and we will reimburse you for the surcharges you have incurred by crediting your account within 10 business days of when we receive your request.
Where do I mail my original ATM receipts and completed rebate form?
Bank of Arkansas – 24-Hour ExpressBank
Attn: ATM Rebate
P.O. Box 29775
Dallas, TX 75229-9865
Where can I use the card?
You can get cash, make deposits, transfer money between
accounts, and check your account balance 24 hours a day at Bank of Arkansas
locations. Click here to find the
ATM closest to you!
How does the card work?
Here's how to make a purchase:
- Simply present your card.
- Sign the sales receipt.
- Take your receipt and you're done!
The funds used to make the purchase are taken directly out of
your primary checking account, usually within 1-3 days, so there are no bills to pay
later.
What is the cash withdrawal limit on the
ATM & Check Card?
It varies by customer. Call our 24-Hour ExpressBank if you
do not know your limit.
What is the maximum daily purchase limit on my ATM/Check Card?
It varies by customer. Limits are subject to available
balance (including overdraft protection funds). Call our 24-Hour ExpressBank if you
do not know your limit.
When are the benefits to using this card?
The Check Card is faster, safer, and smarter than using cash
or checks for purchases. There's no need to carry extra cash or wait for check approval.
Best of all, there's no bill to pay later for these purchases, because the amount is taken
directly out of your checking account.
Does the Visa logo mean it's a credit
card?
Absolutely not! The Check Card is not a credit card. With the
Check Card, you access funds from your checking account - not a credit account, so there
is no monthly bill.
What happens if I don't have enough money
in my checking account to cover a purchase?
You must have sufficient funds in your primary checking
account when you use your card to make a purchase. If you do not have sufficient funds,
the amount of the purchase will not be authorized and the merchant will not process the
sale. In the event that overdraft protection is used to complete the purchase, an
overdraft fee may apply..
How do I keep track of my spending with the
ATM & Check Card?
Simply save your receipts and enter the amount of each
purchase or transaction into your check register. You get a detailed record of each
transaction on your monthly checking account statement, so it's easy to know what you
spent and where you spent it!
How do I get a ATM/Check Card?
If you have a Bank of Arkansas checking account,
simply call our 24-Hour
ExpressBank.
If you don't have a Bank of Arkansas checking account, simply
open a checking account and apply for an ATM/Check Card. You may either call our 24-Hour ExpressBank or if
prefer, click here
and apply online.
How safe is my ATM/Check Card?
Your card is safer than checks or cash. You have zero
liability if your card is ever lost or stolen. Just notify the bank promptly and you will
not be liable for unauthorized transactions. Refer to your Agreements &
Disclosures for details.
Who do I contact if my Card is lost or
stolen?
Contact our 24-Hour ExpressBank
immediately if your card has been lost or stolen, or if you suspect unauthorized use.
Do I need to use my PIN at Visa merchant
locations?
No.You can use your Check Card just like you would use a
credit card. Simply swipe the card, or give it to the salesperson and then sign the
receipt.
Member FDIC
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