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Account Services |
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ATM
INFO |
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ATM
Information |
Report a LOST OR
STOLEN
ATM/DEBIT CARD
During Business Hours call
763-689-2500 or 763-689-2501
Evenings, Weekends and Holidays call: 1-800-535-8440
Outside the U.S. call 612-316-1484
Contact Cambridge State Bank as soon
as possible to order a new card.
If your lost/stolen card was being used
to make recurring payments remember to
notify them with your new card
information once you receive your
replacement card. |
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How can
I search for an ATM? |
Click here to be directed to Instant
Cash ATM Locator web page. |
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What is
a surcharge fee? |
An ATM surcharge fee
is imposed by the owner of an ATM for
cash withdrawals by foreign cardholders
and assists with ATM costs. |
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How can
I avoid an ATM surcharge fee? |
Your card
will remain surcharge free on your
transactions performed at Cambridge
State Bank's Instant Cash machines or at
any Wells Fargo bank on-premise ATMs*.
(*Excluding Wells Fargo on-premise ATMs
in CA and certain in-store branches.)
You will
always be told in advance by a screen
message if there is a surcharge at the
ATM, and you can stop the transaction if
you do not wish to pay the fee. |
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Tips
for Keeping Fees Low at ATMS |
Use
Cambridge State Bank's drive-up ATMs or
Instant Cash brands or on-premise Wells
Fargo Bank ATMs.
Make
larger withdrawals at ATMs to minimize
your number of potential ATM fees.
Contact
the Bank for a list of surcharge free
ATM locations.
If you
have an Instant Cash & Check card, use
it for purchase, at grocery stores, gas
stations or at any of 22 million
worldwide VISA debit merchants, rather
than paying with cash. |
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What is
a transaction fee? |
A
transaction fee reimburses the card
issuer related to customer transactions
most often performed at "non-network
ATMs".
ATM
TRANSACTION FEE
Cambridge
State Bank will assess a transaction fee of $2.00 for each withdrawal,
transfer or deposit done at any ATM that is NOT “Instant Cash” or “Wells
Fargo” brands. Please note there are over 8,000 Instant Cash and Wells
Fargo ATMs in 23 states that will remain free of our transaction fee and
of course that includes our two drive-up ATMS. Your use of
“non-network ATMs” (for example, TCF Express Teller, Fastbank or any
other ATM brand) would incur a transaction fee.
The
transaction fee is not displayed to you at the ATM. The transaction fee
is an internal charge that will be present on your bank statement.
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What
are the advantages of having an Instant
Cash & Check card? |
You are able to "write a check"
without carrying a checkbook.
You can use it as a cash card at
an ATM.
Eliminates the hassle of showing multiple forms of identification when
writing checks.
You can use it anywhere you travel; you don't have to worry about
writing a check out-of-state or out-of-the-country. |
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How
does the Instant Cash & Check card work? |
At an ATM, the Instant Cash
& Check card works just like the Instant Cash®
card. When using the Instant Cash & Check card to purchase products
and services, the merchant looks for the VISA®
logo and processes the transaction in the same way a credit card
transaction is processed. However, the difference is that the dollar
amount of the purchase is deducted from your checking account. |
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How do
I record
Instant Cash & Check card transactions? |
You will
receive a receipt from either the ATM or
the merchant. You should record the
amount in your checkbook register and
retain the receipt. Your monthly
checking statement will describe the ATM
or merchant location, VISA clearing
date, and amount in detail. |
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How
long will it take a merchant purchase to
be debited to my account when using an Instant Cash & Check card? |
Two to five days. Normal
posting of a merchant purchase will occur similar to the amount of time
a check takes to post to a checking account. |
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What
are the monthly fees for the Instant Cash & Check card? |
No monthly
charge except if you have a Basic
checking account then it is just $1.00 a
month. |
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What is
an ATM Surcharge? |
Your card will remain surcharge free on your transactions
performed at Cambridge State Bank's Instant Cash machine or at any Wells
Fargo Bank on-premise ATMs. (Excluding Wells Fargo on-premise ATMs in
California and certain in-store branches.)
You will always be told in advance
by a screen message if there is a surcharge at the ATM, and you can stop
the transaction if you do not wish to pay the fee. |
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What
happens if I return something purchased
with an Instant Cash & Check
card? |
The merchant will process a
credit, which will generally post to your checking account within the
same period of time it took the original transaction to post. |
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How is
the merchant purchase transaction
authorized? |
The merchant will follow the
same authorization procedures as for credit card authorizations.
VISA®
will route the transaction request to Instant Cash Services for
authorization and Instant Cash Services will send a message back through
VISA®
telling the merchant to complete or terminate the transaction.
Authorization is normally completed within seconds. |