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ATM and Debit Services

Basic Requirements for Applying for Visa Debit/ATM Card or ATM Services

  • All Debit/ATM transactions will process through the Share Draft (Checking-"05") Account ONLY
  • You must be 18 years of age to open a Share Draft (Checking-"05") Account and VISA Debit/ATM Card

Processing of Visa Debit/ATM Card/ATM Transactions

  • The Credit Union will pay transactions in the order in which they are received, regardless of the dollar amount

Visa Debit/ATM Card and ATM use Policies

  • There is a maximum of 20 transactions (Debit and ATM) per day
  • Maximum daily dollar limits are $3000.00 Point of Sale(POS) and $1000.00 ATM
  • All VISA Debit/ATM Card Purchases (Point of sale(POS)) transactions should be processed as a CREDIT (this requires your signature)
  • There are no fees for Point Of Sale (POS) transactions
  • After the SECOND ATM transaction in a MONTH, from ANY ATM MACHINE, the Credit Union charges a service fee of $1.00 per transaction
  • Withdrawals at the Credit Union Office are always free and unlimited
  • The Credit Union reserves the right to cancel or deny reissue of the Debit Card without prior notice.
  • A reissue or reinstatement fee of $25.00 may be required (if the card is lost or not reissued due to lack of usage). 

If you signed for and obtained your VISA Debit/ATM Card at the Credit Union, and you are using your VISA Debit/ATM Card to purchase items online, your billing address will be:

PO Box 114
Geneseo, NY (your zip code)

Surcharge-free ATMs

  • There is no MACHINE surcharge fee at SUNY Geneseo FCU ATMs or affiliated* ATMs

Surcharge-free ATMs include:

  • Genesee Valley FCU
  • Summit FCU
  • Evergreen FCU
  • St. Pius FCU
  • Leroy FCU
  • Tonawanda Valley FCU
  • Teachers’ FCU (NYC/Long Island area)
  • Five Star Banks

Fraud Protection

VISA Debit/ATM Cards are accepted worldwide; however you must be diligent and protect your card

If you intend on traveling with your VISA Debit/ATM Card, PLEASE contact the Credit Union with the dates of your intended trip, as well as location/s that you will be using your card. Providing this information in advance will allow for us to notify VISA that any transactions that may appear suspicious normally, are acceptable in this time frame, and lessens the chance that they will place a temporary block on your card

If VISA or the Credit Union has a concern with a transaction they will contact you at the phone number you have provided. Failure to respond to communication attempts from Visa or the Credit Union regarding possible fraud will result in termination of the VISA Debit/ATM Card. A fee of $25.00 will be charged to reissue/reinstate the card. You may be held responsible for transactions you did not authorize

If your VISA Debit/ATM Card is lost or stolen contact the Credit Union immediately, during business hours at 585-245-5700 or call VISA 24/7 at 1-800-543-5073.

Visa Debit/ATM Card Related Fees

Situation Fee Amount
Excess ATM Withdrawals (>2 per mo.) $1.00
Replacement Card $25.00
Replacement PIN $10.00
Reopen Closed Debit $25.00
Not activated or Unused Card (60 days) $25.00
Rush Mail Postage for Card $30.00
Rush Mail Postage for PIN $30.00
Early Closure (Within 6 mo. per account) $25.00