Lawrence's Home-Owned Bank

Visa Check Cards

An electronic checkbook and ATM card in one!

  • Transaction amount deducted from checking account;
  • no interest accrues; no interest expense.
  • Can be used at ATMs worldwide for withdrawals, transfers or balance inquiries and for purchases anywhere Visa Debit cards are accepted.
  • Approval completed after electronic verification of account balance.
  • Descriptive entries of transactions appear on checking account statement.
  • Modest replacement fee if card is lost.
  • Overdraft protection available with application.
  • Member of the Shazam, Cirrus, and Exchange networks for ATM or point of sale transactions.
  • Lost or Stolen Card? Please call the bank immediately during business hours or call 1-800-554-8969 after hours.
Visa Check Card - Two options:
  • A $5 annual fee, waived the first year, plus $3 monthly fee for PIN-based or ATM transactions.
  • A $5 annual fee, waived the first year, plus 50¢ per each PIN-based or ATM transaction. Charges waived if a $500 account balance is maintained for statement cycle.
  • Visa Check Card comes with Easy Green Checking accounts.

Visa Debit Card

Visa Purchase Alerts


Security of your card and PIN number
To protect you and your card and avoid unauthorized use, remember these safety tips:

  • Please sign your card upon receipt.
  • Destroy your old card when it expires or when your new card becomes effective.
  • Memorize your PIN. Do NOT write it on the back of your card or keep it with you.
  • Never disclose your PIN to anyone.
  • Keep a written record of your PIN entirely separate from your Card.
  • Keep your Card in a safe place.
  • Remember to pick up your ATM receipts before leaving the ATM.
  • Safeguard your account number. Always obtain merchant receipts and destroy carbons.

Refuse Telephone Inquiries
  • Do not reveal any information about your Card over the phone.
  • Verification of your Card account(s) and PIN should only take place in person at your financial institution.
  • If you receive a call about your Card, contact your financial institution/Credit Union immediately, and we will suggest the next course of action.
Security When Approaching the ATM
  • Be alert – look around the area.
  • Leave immediately if you see or sense anything suspicious.
  • Always have your Card in hand, ready to use.

Security While at the ATM
  • Allow a comfortable distance between you and the person using the ATM.
  • Respect any line barriers that say "Wait Here."
  • Do not walk up to the ATM before the current user has left.
  • Use your body to shield the ATM's keyboard from another person's line of sight.
  • Don't stop to count the money or expose it for others to see.
  • Please all money into your pocket or purse immediately.

Security When Leaving the ATM
  • Remain alert – watch for stranger who may approach or follow you.
  • Keep safe distances between you and others.
  • If someone follows you, go to the nearest populated place such as a store or restaurant.

University National Bank Visa Check Card Notice
Regarding PINless Debit Transactions, there are two ways to complete transactions with your Visa Check Card, using your PIN for a debit transaction or your signature like a credit transaction. This notice only involves debit transactions, specifically ones where a merchant may not require a PIN, or PINless debit.

For University National Bank customers, PINless bill payment transactions are processed on the ACCEL/Exchange network. (An example would be paying a utility bill over the phone or Internet with your debit card.) Such transactions may not be processed as Visa transactions and therefore may not receive Visa-associated protections and benefits. However, merchants must provide cardholders with a clear opportunity to choose Visa as the payment method. Please refer to your Electronic Funds Transfers Agreement and Disclosure for the Visa terms and conditions.


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