Message to Retiring Teachers

 Enter your zip code 
 click "GO" for 
 list of ATMs 
 with no 
 surcharges in 
 your area.

MASTERCARD DEBIT CARD

With your Housatonic Teachers FCU MasterCard Debit Card, you can make cash withdrawals up to $400 per day at any NYCE, Cirrus or ACCEL/Exchange ATM worldwide. Additionally, you can use your MasterCard Debit Card for Point of Sale transactions at participating merchants displaying the MasterCard logo. This convenient service allows you to access your checking account for up to $600 per day in purchases as pin-based transactions, which may include cash back. A pin-based transaction is when you select Debit and enter your pin.

You also have an Open-To-Buy limit of $1,500 in addition to ATM & POS limits. This is for signature-based transactions.

A three-day hold is placed on your account until the merchant posts the transaction. A signature-based transaction is when you select credit and sign your name, and do not receive any cash back.

When using your card to make a purchase and given the option of choosing "debit" or "credit", choose "credit". The amount will still be deducted from your checking account, but you will sign a receipt instead of entering a PIN. Signature-based transactions are more efficient for you and less costly for the Credit Union than PIN-based transactions.

But if you want cash back when you make a purchase, you do have to choose "debit" and use your pin. There is no surcharge for that type of transaction.

You will receive a receipt with each transaction using your MasterCard Debit Card. You should record this amount in your checkbook. All purchases and cash withdrawals will be listed on your monthly checking account statement.

FEE SCHEDULE

The Credit Union will allow 4 free withdrawals per month. After that, you will be charged $1 per transaction for that month. There is no fee for Point of Sale transactions when you sign a sales slip rather than using a PIN.

Because the Credit Union does not have an ATM, you will be charged a surcharge for use of another institution's. However, on our web site, if you put in your zip code and click “GO”, you will get another list of ATM store locations in your area where there will be no surcharge for using your Credit Union ATM Card.

If your checking account overdraws from the use of your card, we will transfer funds from your savings account for a 2$ charge. If you do not have funds available, we will charge

you $10 and you will need to bring in a deposit to bring your account current within 24 hours. There is a $10 charge for a replacement card.

There will be a link on our website for MasterCard SecureCode. This is a service from MasterCard that provides greater peace of mind when you shop online by providing added protection against unauthorized use of your enrolled card. It is easy to register, safe and free of charge. Once you've registered and created a SecureCode, each time you make an online purchase, a window will pop up asking for your SecureCode, just like using a PIN at the ATM. When you correctly enter your SecureCode, your card issuer confirms that you are the authorized cardholder and your purchase is completed. No code, no confirmation, no purchase.

If your card is lost or stolen, please call the Credit Union during office hours or after hours at 1-800-554-8969.

BE SURE TO SIGN THE BACK OF YOUR HTFCU ATM/DEBIT CARD

DOUBLE CLICK ON GRAPHIC BELOW TO LINK TO MASTER CARD SECURE CODE WEBSITE, FOR ONLINE SHOPPING.

Please contact our Webmaster with questions or comments.
©Copyright 2004, C. A. Cogswell Engineering Company. All rights reserved.