Check Card
The Most Convenient, Safest & Fastest Way to Access Your Money
What Is a Check Card?
Check cards are a widely accepted alternative payment method.
Check cards
offer a number of debit services, and they provide
consumers, as well as merchants, added transaction convenience and security.
Baylake Bank offers a check card that is accepted at over 11 million locations
where the VISA emblem is displayed.
Convenience
Whether you are running errands around town or traveling around the world,
your Baylake Bank check card links you to your accounts at home. It saves you
time because there is no need to write out checks. It’s safe to
use, because with a check card there is no need to carry extra cash.
Transactions are deducted from your checking account and appear on your next
monthly statement. You simply need to have enough money in your checking
account to cover the purchase.
ATM Access
Your Baylake Bank check card is also your ATM card for cash and other
banking services. All existing rules and services provided to you by your ATM
card are offered through your check card. You have 24-hour access to your
checking or savings account simply by inserting your check card into the ATM,
and entering your PIN (personal identification number).
Here Are Answers to Frequently Asked Questions About
Check Cards:
(1) How does a check card differ from a credit card?
Check cards are a convenient non-cash, non-check way to pay for everyday
purchases with money you have in your checking account. Unlike a credit card,
you do not need to establish a line of credit, nor is there a finance charge
or service fee with your Baylake Bank check card. However, for some
purchases you may prefer to delay billing or spread out payments over time.
That is when you may elect to use a check card.
(2) What is the cost of a check card?
A Baylake Bank check card is available without cost
and there is no activity fee. So, not only will you be saving time at check
out, you will be saving money on the cost of purchasing checks. That’s
right...the more you use your Baylake Bank check card, the more it “pays”
you!
(3) How do I get a check card?
Almost any U.S. citizen over age 18 with a personal checking account
at Baylake Bank can be issued a check card. Daily purchase limits of $1,000
(on-line) and $500 (off-line) have been established for your protection. A
business check card is also available. Contact a
Customer Service Representative for more information.
(4) Do I need a separate ATM card for use at ATM’s?
Although you may elect to keep your existing ATM card, with a Baylake Bank
check card there is no need to have both. The ATM features of your
check card
act exactly like your present ATM card. Use it at any Automated Teller
location accepting Cirrus, and all other regional networks available to Pulse
users. (All regular ATM fees and conditions apply.)
Why Use a Check Card?
- Lets you use money from your checking account without writing a check.
- Faster and easier than writing checks.
- Accepted where checks are not.
- Safer than carrying cash.
- No worry of not carrying enough cash to cover the purchase.
Other General Banking Services
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