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Visa Check Card

A fast, convenient, and safe way to pay.

A Visa Check Card is a type of debit card that looks similar to a credit card but acts like a check because the purchase amount is deducted from the cardholder’s checking account.

  • More convenient than writing checks, and safer than carrying cash.
  • Accepted at millions of merchant locations worldwide.
  • No need to use your PIN, just sign as you would for any Visa card.
  • Visa Check Card purchases are automatically deducted from your checking account, so there’s no interest to pay.
  • Simplify your record-keeping your monthly statement provides you with a detailed record of all your transactions.

Visa Check Card Frequently Asked Questions

What is a Visa Check Card?


A Visa check card is a type of debit card that looks similar to a credit card but acts like a check because the purchase amount is deducted from the cardholder’s checking account.

How do I Pay with a Visa Check Card?


Visa check card transactions can be completed in a number of ways: by signing a receipt; making a purchase on the Internet, by mail, or over the phone (receiving protection from Visa’s Zero Liability policy); or by entering a personal identification number (PIN).

Advantages of paying with the Visa Check Card

  • Quicker checkout: swipe, sign, and go. You don’t have to worry about having sufficient cash in hand or writing a check. Merchants also benefit from accepting Visa check cards with guaranteed payment and reduced costs from handling fewer paper checks.
  • If you have trouble qualifying for credit, try using your Visa check card as a buy now, pay now payment method. Visa check cards are included automatically with most checking accounts, and can be used like a credit card for your purchases except the funds are deducted directly from your checking account and not borrowed.
  • When traveling, consider using your Visa check card for purchases. It can be used at millions of merchant locations worldwide where Visa debit cards are accepted.
  • Use your Visa check card as a budgeting tool to help you track your expenses and manage your money better.
  • You can even pay your monthly bills or set up recurring payments with your Visa check card for regular bills such as cable, phone, or loans without having to worry about remembering to pay on time or buy stamps.
  • Wallet too bulky? Tired of frequent trips to the ATM? Hate carrying around a checkbook? Carry your Visa check card instead.
  • Your Visa check card can be used for larger purchases or reservations as well. For example, you can use your Visa check card to purchase an airline ticket or hold a reservation for a hotel room.

Important Visa Check Card facts?

  • The amount of your purchase is deducted from your checking account automatically—so be certain you have adequate funds at the time of purchase.
  • Car rental companies may require you to present a credit card in order to reserve a car but you may pay for the rental at its conclusion with your Visa check card.
  • To meet consumer demand for payment conveniences such as express/video checkout at hotels, pay-at-the-pump fueling, and one-swipe payment at restaurants, Visa has established processes to protect Visa check card issuers, merchants, and cardholders. Similar to how check deposits can’t be immediately withdrawn, account deductions can’t immediately be cleared when the final amount isn’t known this typically applies to hotel, restaurant, and pay-at-the-pump gas station purchases.
  • For example, you may use your Visa check card at a restaurant and your card gets authorized before the tip is applied. For these types of purchases, Visa check card issuers may earmark cardholder funds to cover the estimated cost of the transaction. This process, known as a hold, safeguards both cardholders and merchants, ensuring cardholders don’t spend more money than they have and merchants are paid for the transaction. While most transactions have a less than 24-hour hold, Visa protects cardholders by requiring issuers or financial institutions to remove all holds within 72 hours.
  • You could be charged two fees when you use your card to withdraw cash at an ATM that is not owned by your financial institution one by your financial institution, and one by the ATM owner.
  • Some financial institutions charge transaction fees to customers who make Visa check card purchases or get cash back at supermarkets using a PIN. Ask your financial institution about such fees before using your Visa check card.
  • Many Visa check cards have daily cash withdrawal limits of up to $1,000, and daily spending limits may be even higher. These spending limits are meant to protect you in case your card is stolen. Your card may be declined if you make daily purchases that exceed your daily withdrawal limit, even if you know you have plenty of funds within your checking account. You can always ask the bank to lower or raise your purchase or withdrawal limits to suit your spending habits.

Tips for responsible Visa Check Card Use

  • Know your current account balance. Don’t forget about checks that have not yet cleared your account.
  • Always take sales receipts and carbon copies.
  • Record your transactions in your check register as soon as possible. Remember to include any financial institution fees that may apply. Store your receipts safely in one place in case you need them later.
  • Review your statements carefully. If you suspect a mistake, call your financial institution immediately. And always follow up with a confirmation letter.
  • If your card is lost or stolen, contact your financial institution immediately. This reduces your liability if fraud losses occur.
  • Keep your PIN private. Memorize it. Don’t write it down or write it on your card, and never tell it to anyone.

Why are you asked "debit or credit"?


He or she is simply asking how you want the purchase to be processed.  It does not matter which you say, “debit” or “credit,” – the transaction will be deducted from your CHECKING account.  Responding “credit,”  will NOT bill your purchase to a credit card.

If you say “debit,” the transaction will be processed through the ATM network and you will need to use a PIN (personal identification number).

If you say “credit,” your purchase will be processed through the VISA network.  You will receive a signed receipt and will not need to give a PIN, which could improve the security of your card.

What if My Visa Check Card is Lost or Stolen?


If your Visa Check Card is lost or stolen, call one of our offices immediately.

Waterford (740) 984-2357 or Crooksville (740) 982-2900.

Safe Deposit Boxes

Do you have valuables that can’t be replaced? Protect them in a Safe Deposit Box at the Waterford Office.

Box SizeAnnual Fee*
3 x 5 $20.00
5 x 5 $25.00
3 x 10 $30.00
5 x 10 $50.00
10 x 10 $60.00

* Additional fees may be charged at the time of box surrender for missing keys.

Online Banking

Our secure Online Banking feature gives you safe, 24 hour access to your finances.  From multifactor authentication, encryption software, firewalls, and automatic sign-off, your information is always secure.  There is no charge for Online Banking.

  • View account balances and transaction history.
  • Transfer funds and make loan payments.
  • View images of your checks.
  • View and download your statements.
  • Set up “Notify Me” email alerts.
  • Manage personal information.


  • A2A- Account to Account transfers. Transfer funds to and from your external accounts.
  • P2P- Person to Person. Send funds to family and friends by using their phone number or email address.
  • MRDC- Mobile Remote Deposit Capture. Deposit checks remotely via the mobile app.
  • Fast Money Service Fee is a $2.00 service charge per statement cycle.  This includes all 3 services.

For even more convenience, use Online Bill Payment to pay virtually anyone, anytime, anywhere and on time.  There is no charge for Online Bill Payment if three (3) or more bills are paid per calendar month, otherwise $5.95 fee per calendar month is assessed.

  • It’s fast, easy and guaranteed.
  • Save paper, time and money.
  • Safer than mailing paper checks.
  • Payee information is saved for future use.

Online Banking Demo


Mobile Banking

With 24/7 mobile access everywhere.

Whether you choose to use the Mobile App or Text Banking*, you can access your accounts quickly and securely from virtually any mobile device.  There is no charge for Mobile Banking. Deposit checks remotely thru the Deposit Checks tab in the mobile app.


Signing up is quick and easy.

  1. Download the Waterford Commercial and Savings Bank app from the Apple Store or Google Play
  2. Click “Enroll” button
  3. Enter a few details to get your account setup
  4. Stop by the bank to sign enrollment form (first time users only)

*  Text Banking will incur a service fee of $0.10 per text message, in addition to standard text message rates.

Go Paperless

Access your statements and notices using the Electronic Statement Retrieval module on our homepage.

  • Available at no additional charge.
  • Statements will be available immediately and you will be notified by email.
  • Eliminate the paper trail! (A paper trail is an identity thief’s best friend.)

Click here for the electronic delivery of bank statements & notices consent and agreement.