SemiFCU is part of the CU24 Network!
What does that mean? It means you can use your CU24 ATM card at the ATMs in the Fairchild and National buildings! It also means you can use your card at our main office ATM for free - no charge on deposits or withdrawals, and you can use it as often as you like--24 hours a day, seven days a week!
Finally, your CU24 card can be used for cash or purchases anywhere the NYCE logo is displayed.
If you have our CU24 VISA Check Card, you can use your card anywhere the VISA Check Card logo is displayed and have the purchase deducted from your checking account.
For a complete listing of CU24 ATMs, click here.
If you would like to view the full Visa Check Card brochure click here.
VISA Check Card FAQ
Q. When I go to the local grocery store or gas station, the computer asks me: DEBIT or CREDIT? Which do I choose?
This is the most frequently asked question we receive about the card: should our members use it as a Credit (where you have to sign the sales slip) or Debit (where you enter a PIN)? The choice is yours--we don't charge a fee either way. However, by using your card as a Credit card you retain valuable 'chargeback' rights which can be used to your advantage if you have a dispute with the merchant down the road. If you use your card as a Debit card (PIN transaction), you do not have the same rights.
Q. What's the difference between an ATM card and a VISA Check Card?
A. The VISA Check Card is an ATM card PLUS the added convenience of being able to use your card wherever VISA Check Card is accepted. The purchase amount is deducted from your checking account. No bills to pay, no finance charges to worry about. Think of your VISA Check Card as the easy way to write a check!
Q. I only have a Savings (Share) Account with you. May I have a VISA Check Card?
A. Sorry, since the VISA Check Card in effect works like a check, you may only use it if you have a checking account.
Q. Can purchases I make with my VISA Check Card be taken out of my savings account?
A. While you can withdraw cash from your savings account at any ATM, all purchases that are made with the card as a VISA transaction must be taken out of your checking account.
Q. Is there an annual fee for this card?
A. NO! The card is free.
Q. Are there any fees charged for making a VISA transaction with the card?
A. No. You are allowed to use your card as a VISA card as often as you like with no monthly charges. ATM transactions at our main office ATM are 100% free. Outside of our ATM, regular ATM charges still apply (4 free ATM transactions per month, then $1.00 each transaction thereafter plus any ATM surcharges). Using your card as a VISA transaction does NOT count as an ATM transaction.
Q. Can I have an ATM card and a VISA Check Card?
A. There's no reason to have two cards. You must choose between one or the other. However, with all the flexibility the VISA Check Card offers, we can't imagine you would want to keep your ATM card only.
Q. I already have an ATM card. Will I automatically receive a VISA Check Card?
A. No. You must apply for the VISA Check Card. Click here to download & print the application. Fill it out and mail or fax it back to us. You'll receive the card in 5-7 business days and a new PIN number 2-3 days after you receive the card.
If you have any other questions, drop us a line and we'll put your question online!