Check Cards


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Check Card

Debit and ATM Card Offers Two Convenient Ways to use your Checking.

Make purchases using your CVCU Check Card wherever VISA Debit Cards are accepted. Check Card provides convenience– from your hometown grocery store to millions of merchants nationwide. You can even use Check Card to make travel reservations or to place orders over the telephone or internet.

Check Card is safer than cash, faster than checks.
It eliminates the need for you to carry a lot of cash, since all you need is one handy plastic card. Just present it as payment, and the transaction is completed without delay.

Call Center: 715-627-4336 or
toll-free 1-800-398-2667

Please email us with questions or comments.

PRIVACY POLICY

No check to write and no ID required.
Just sign a sales slip and each purchase is automatically deducted from your CVCU checking. You’ll receive a receipt for easy recordkeeping and every transaction will be detailed on your monthly share draft statement.

No monthly bill and no interest to pay.
Because purchases are deducted from the funds in your checking account, you enjoy the speed and convenience of paying with plastic but without the monthly bill.

CLICK HERE for a Check Card Application.

Lost or Stolen Card?
Call:

You do not need to enter your PIN (Personal Identification Number) and there is never a transaction fee for using Check Card in the VISA network. (Note: Choose "credit" when using Check Card at a card swipe machine to ensure you're accessing the VISA network.)*

Business Hours:

After Hours:

*In order to receive cash back when making a purchase with your Check Card, you must use the Debit (PULSE) option for payment at the register. In this case you would need to enter your PIN.

1-715-627-4336

1-800-236-2442

Withdraw cash using your CVCU Check Card at thousands of ATMs nationwide. Check Card provides the convenience of having cash – whether you’re close to home or traveling abroad. You can even use Check Card to make deposits at Wisconsin and Upper Michigan ATMs.

Get cash from your CVCU checking and savings accounts.
Use CHECK CARD anywhere without being assessed a fee by CoVantage Credit Union. (Note: Surcharge fees, which are assessed by the owner of an ATM, may still apply since CVCU has no control over them.) There is no limit for using Check Card to make deposits to your CVCU checking or savings.**

Check Card gives you easy access to your money through ATMs locally, nationally and worldwide.
Use it at any Automatic Teller Machine where a PULSE, Cirrus, or VISA/PLUS logo is displayed. You will always need to enter your PIN (Personal ID Number) when using an ATM. CVCU has ten ATMs that are surcharge-free to CHECK CARD holders:

• Antigo: Clermont Driveup, 723 Sixth Ave.
• Antigo: Northside Office, 2209 Progress Blvd.
• Antigo:FS Station, 2300 Hwy 45 N
• Crandon: Crandon Office, 502 W. Pioneer St.
• Shawano: Shawano Office, 911 E. Green Bay St.
• Wausau: Wausau Office, 110 S. 1st Ave.
• Weston: Weston Office, 3807 Schofield Ave.
• Crystal Falls: Crystal Falls Office, 1 Credit Union Way
• Iron River: Iron River Office, 303 Fourth Ave.
• Lakewood: Lakewood Super Valu, 17186 Twin Pine Rd.

Enjoy surcharge free ATM withdrawals when you use Check Card at an Alliance One terminal.
Using an ATM that displays the blue, Alliance One logo ensures that CVCU members have surcharge free access to ATMs throughout the U.S. For a directory of participating ATMs, go to: www.atmallianceone.org

The Difference Between "Debit or Credit?"

It's time to pay for groceries at the supermarket, so you tell the cashier you're paying with your CVCU Check Card. She then asks, "Debit or Credit?"

Ever wonder why you are asked this question? The merchant is simply asking how you would like the transaction to be processed. No matter how you respond (or in some cases swiping the card and pressing the button yourself) - "debit" or "credit" - the purchase will be deducted from your CVCU Checking Account.

What's the difference?
DEBIT - If you say (or press) "debit" after your card is swiped, the transaction is processed through the PULSE ATM network and you must use your personal identification number (PIN). The money will come out of your Checking Account immediately. However, if you want cash back, you must choose "Debit."

CREDIT - If you say (or press) "credit", the transaction is processed through the VISA network. This type of transaction is similar to when you write a check - the money will come out of your Checking Account in about 2-3 days. Plus, you'll bypass any potential transaction fees.

So next time you are asked, "Debit or Credit?", say "Credit"!

**Deposit function available only when using PULSE ATMs in Wisconsin and Upper Michigan.

CHECK CARD applications are subject to approved credit.