New Buffalo Savings Bank # locations in Harbor Country. New Buffalo, Sawyer, Three Oaks

Important information regarding your liability if your CheckCard, ATM card or Credit Card, or card number, is lost or stollen.

 
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Click here to read Inportant Information about our Debit Card Overdraft Policy

The New Buffalo Savings Bank CheckCard offers convenient flexibility and worldwide access. Get cash at ATMs worldwide.
Use it instead of writing a check anywhere you see the MasterCard® .**
For international travel, see below for new restrictions.
Use CheckCard at ATMs for Cash Six card designs to choose from.
Use CheckCard at Point of Sale istead of a check
Swipe and sign for no cash back transaction.
Call us before International Travel
CheckCard is not a credit card.
CheckCard works at ATMs
CheckCard works at Cirrus, Star and Maestro networks
CheckCard is also known as a
CheckCard can be linked to specific savings and checking accts.
Withdrawal limits are set by the bank. You may call to have your limit changed.
You may want to increase your daily limit when traveling.
Use on line bannking to view all transactions on your accounts.
We suggest you use overdraft portection.
The MasterCard logo does not make it a credit card.
If you swipe and enter a PIN, you can get cash back.
EFFECTIVE IMMEDIATELY
NEW FRAUD PREVENTION MEASURES IN EFFECT.
Usage of a New Buffalo Savings Bank
CheckCard for any transaction
outside of the United States is now blocked.
Due to recent increases in international fraudulent activity related to debit/ATM cards, New Buffalo Savings Bank is taking preventative action to protect our customers and the bank.


1. The MasterCard CheckCard transaction is called "Credit" but it isn't a credit card?
Right. It is not a credit card. Funds come immediately from checking. The MasterCard system handling the transaction for you is triggered by the term "Credit".

2. The CheckCard still works at ATMs?
Yes. You can use it at ATMs for instant cash - from savings or checking - wherever you see the Cirrus or Maestro logos worldwide, or THE EXCHANGE logo regionally.

3. Does the ATM function work wherever the MasterCard logo is posted?
No. The ATM feature gives you access to cash worldwide through the CIRRUS-MAESTRO network, and regionally through THE EXCHANGE network. Look for either of those two logos on the ATM unit.

The DEBIT feature lets you pay for purchases, and get cash back, at merchants regionally through THE EXCHANGE network and Cirrus network.

The CREDIT feature lets you pay for purchases at merchants without cash back worldwide through the MasterCard network.

4. Why do you call it a CheckCard when it sounds like a debit card?
Some banks call this a debit card. We call it CheckCard as a little reminder that the MasterCard CheckCard used at point of sale can only draw funds from a checking account.

5. Can I link the CheckCard to my savings account?
Yes. A savings account is optional.** The checking account is mandatory. The ATM debit function will draw from savings and/or checking. The MasterCard CheckCard only draws from checking. We cannot issue an ATM/CheckCard without a checking account.
** Some savings accounts have restrictions on the number of withdrawals in a month. check with our Customer Service Representatives about your options.

6. Is there a limit to how much I can use it in any given day?
Yes. There are daily Transaction Limits. All limits are dependent on your available balance.
ATM cash: $300
Debit with PIN: $200
Debit with signature: $1500 over a three day period

7. I'm going to be traveling. Can I increase my per-day limit?
Call us or stop in whenever you need to adjust the parameters of your account. We're here to make sure you're getting the most from the programs we have to offer. If you are leaving the country, let us know at least 48 hours prior to travel. See note on right panel.

8. How can I check on my account to review activity?
24/7 Online Banking. Review all debit, withdrawal, deposit, transfer, automatic payment, ATM and check clearing activity. You can also perform transfers between accounts. We also have 24 Hr. Information & Transaction Telebanking Line 1-888-590-NBSB (6272), 469-7603 locally

9. What if I accidentally overdraw my account?
CheckCard transactions put an immediate hold on funds in your checking account. Outstanding checks or other transactions such as online bill payments, automatic payments (such as monthly club dues), ACH withdrawals (such as utility bill paymentss) coming into the bank may take you into an overdraft situation if there are not sufficient funds to cover them, resulting in overdraft charges. There is no overdraft fee on your debit card transaction. However, recurring abuse may lead to your card being temporarily or permanently revoked.

10. Does the MasterCard logo make this a credit card?
No. The MasterCard logo gives your CheckCard worldwide access. However, it is NOT a credit card. The transaction may be rejected if your Checking account does not have enough funds.

11. Can I get cash back from any CheckCard transaction?
No. You can only get cash on ATM/debit transactions using your PIN

If you plan to travel outside of the United States using your New Buffalo Savings Bank CheckCard at an ATM or as a debit card, please notify a customer service representative 48 hours prior to departure. We may lift the block for the duration of your trip. Simply call any of our offices during normal business hours. You will be asked for the dates of travel and destinations.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 
 
 
 
 
 
New Buffalo Savings Bank, FSB 45 N Whittaker St., New Buffalo MI 49117   Equal Housing Lender    Member FDIC    Copyright 2007 NBSB
Providing banking services to New Buffalo, Three Oaks, Sawyer, New Troy, Michiana, Union Pier, Lakeside, Harbert, Grand Beach, Bridgman, Harbor Country Michigan, and NW Indiana.