The ATM/Visa Check Card is not a credit card.

It is an enhanced Piscataqua Savings Bank ATM card that can be used for payment of purchases anywhere Visaâ is accepted - just like a credit card is accepted - however, the amount of your purchases will be withdrawn from your Piscataqua Savings Bank checking account.

How to use your ATM/Visa Check Card.


As an ATM card - 

You can use it at our Piscataqua Savings Bank ATM or thousands of others worldwide displaying the NYCEâ and Cirrusâ network logos. You can:

* Make withdrawals 

* Transfer funds between your designated  accounts

* Check your balances

* At the ATM machine at Piscataqua Savings Bank, you can also make deposits and PSB loan payments


As a Visa Debit or POS Check Card -
 
To purchase an item or service, it is as simple as using a credit card, but has the same effect as writing a check. When making your purchase, you will sign a sales slip.  The purchase amount will be  withdrawn from the available funds  (up to your daily card limit) in your Piscataqua Savings Bank Checking Account.

At a  Point of Sale (POS) machine, such as at the gas pump or grocery store, use your ATM/Visa Check Card just as you would your ATM card. You will receive a receipt for all purchases and ATM transactions and they will be listed on your monthly Checking Account Statement.

Fees

There are no fees when you make ATM/Visa Check Card purchases. You can use your card with no charge at the Piscataqua Savings Bank ATM. There is a $1.00 fee for using an ATM owned by another bank. For more information, please consult our current fee schedule available at the bank.

Sometimes when you use another financial institution's ATM, they may charge you an access fee.  It's called a surcharge. We have joined with about 275 financial institutions to form the SUM program.  When you see a SUM symbol at an ATM, you won't pay a surcharge.

To find a list of over 1750 ATM's throughout the Northeast and Midwest, click on the above SUM logo.. 

Where your ATM/Visa Check Card can be used.

You can use your new card anywhere Visa credit cards are accepted: retail stores, restaurants, supermarkets, travel agencies, hotels, airlines, etc. In fact, your card can be used at millions of locations around the world!

How to return purchases made with a Piscataqua Savings Bank ATM/Visa Check Card.

It is just like you are returning merchandise purchased with a credit card. Just be sure to save your receipt in case you need to return an item. Your rights relating to funds and returned merchandise are the same as when you pay with a credit card. You must resolve issues of this type directly with the merchant. It is the merchant's own policy on refunds and returns that govern these transactions.

Lost or Stolen Cards

If you discover your card lost or stolen during normal banking hours, call 1-800-286-5254. If the bank is closed, call 1-800-554-8969. Please refer to our Electronic Funds Transfer Disclosure for more detailed information.
 

Expect something new the next time you shop online.

The next time you use your Visa® card when you shop online, you may be asked to activate Verified by Visa. That’s because your card is now equipped with Verified by Visa — it password protects your card for free.

It’s now even safer to shop online.

Once you activate your card, Verified by Visa protects you at every participating store — so only you can use your card. Shop online with greater security at participating stores and activate your card's PIN number, by clicking on the image below.