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Account Services |
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ATM
INFO |
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MoneyPass already has over 16,000 ATMs coast to coast - and the network continues to grow. Each and every MoneyPass ATM is surcharge free, so you won't have to worry about paying a fee to access your money. For more information on MoneyPass, including the MoneyPass locations nearest you, visit www.moneypass.com.
IMPORTANT NOTE: Once you receive your new card please be sure to update any automatic bill payments tied to your old card number as soon as possible.
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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
| Hotcard Afterhours: |
800-264-5578 |
| International Hotcard: |
701-461-0621 |
| Card Activation VRU and PIN Change: |
800-448-8268 |
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 MoneyPass web page to search for Surcharge Free ATMs. |
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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 MoneyPass machines or
any MoneyPass ATM.
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
any MoneyPass 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 or search for Surcharge Free ATMs.
Click here to be directed to MoneyPass web page to search for Surcharge Free ATMs.
If you
have a Visa® CheckCard, use
it for purchases 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 a “MoneyPass” brand. Please note there are over 16,000 MoneyPass ATMs coast-to-coast 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, Wells Fargo 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 a Visa® CheckCard? |
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
Visa® CheckCard work? |
At an ATM, the
Visa® CheckCard works just like the ATM
card. When using the
Visa® CheckCard to purchase products
and services, the merchant looks for the VISA®
Debit
logo and processes the transaction in a similar way that 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
Visa® CheckCard 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 from my account when using a
Visa® CheckCard? |
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 happens if I return something purchased with a
Visa® CheckCard? |
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 MoneyPass for
authorization and MoneyPass will send a message back through
VISA®
telling the merchant to complete or terminate the transaction.
Authorization is normally completed within seconds. |
