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Debit Card Details

 

HIGHLAND FEDERAL SAVINGS & LOAN ASSOCIATION

DEBIT CARDHOLDER INFORMATION

 

This is NOT a credit card.  This is a Debit card.  The MasterCard symbol is on this card to let you know that you can pay for purchases from your checking account with your debit card anywhere that accepts MasterCard DEBIT cards.  Purchases can be made by entering your PIN number, or signing for the purchase if PIN based transactions are not accepted.  The funds to pay for your purchase will then be debited from your checking account.

 

When you receive your card, it will not be active.  You will need to go to any MasterCard or Cirrus ATM to activate the card after you have received your PIN.  You may also change your PIN at any MasterCard or Cirrus ATM.

 

WHAT YOUR CARD CAN DO

 
  • You may link one additional checking or money market account to this card.  The linked account, may be used to transfer funds or make withdrawals. 
  • You will not be charged for using your debit card for purchases if you have funds available to cover the transaction. 
  • You may use your card at any ATM that displays the CIRRUS or MASTERCARD logo.
  • You may do the following transactions at an ATM:  withdrawals, balance inquiries, transfer money from and to your linked account, and change your PIN (Personal Identification Number).
  • You may use your card to pay for purchases from your checking account anywhere that accepts MasterCard debit card transactions.
  • You may make purchases by phone or internet using your card.
 
KNOW YOUR LIMITS
 
  • Your debit card has certain limits for your protection against fraud and theft.
  • You may withdraw up to $300.00 per day at ATM's.
  • You may do up to $1000.00 in purchases per day.
  • In the event the system is down, there are lesser limits for spending and withdrawals.  If the system is down you could withdraw $200.00 per day and you could do $200.00 in purchases per day.
 
PROTECT YOUR CARD AND ACCOUNT
 
  • Never write your PIN on your card or where it is easily found.
  • Protect your card just like your checkbook.  If someone has your card they can use it just like they were writing checks from your account.  YOU ARE RESPONSIBLE FOR THE MISUSE OF YOUR CARD. 
  • REMEMBER TO ALWAYS POST YOUR WITHDRAWALS IN YOUR CHECK REGISTER.  These amounts are deducted from your balance just like writing a check.  Keep your receipts for balancing your account.
  • If your card is lost or stolen, call us immediately.  During normal business hours call us at 931-484-6178.  If the card is lost after business hours call 1-800-528-2273.  It is a good idea to have your card number written down in a safe place for purposes of reporting the card lost or stolen.
   
CHARGES FOR YOUR DEBIT CARD
 

You will be charged a transaction fee for using your debit card at a foreign ATM (one that is not owned by Highland Federal).  You will be charged $1.00 by Highland Federal PLUS any additional surcharge that the other bank charges.  Their ATM will identify their additional charges before your transaction and you will have the opportunity to stop the transaction if you do not want to pay the fees.  If you continue the transaction BE SURE TO DEDUCT THE FEES FROM YOUR CHECKING ACCOUNT BALANCE.

 
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