ATM PROGRAM

Heart of Louisiana Credit Union's automated teller machine (ATM) program is designed to provide its cardholders with the most functional and economical service possible. The Visa Check Card we now issue is a replacement to the previous traditional ATM card. This new card allows you to withdraw cash from financial institutions participating in the Visa program or from ATMs worldwide which display the Visa or PLUS network logos. In addition, the Visa Check Card also allows you to make purchases at any merchant location in the world which displays the Visa logo. It reduces the need to carry cash, it is safer than carrying cash, and it is more convenient and more widely accepted than share drafts (checks).

In order to qualify for our Visa Check Card you must satisfactorily maintain a Share Draft account, as it is the only account type to which you have direct access. You may, however, designate and access available funds in your Regular Share account and/or your Overdraft Line of Credit loan through purchases and withdrawals if/when such transactions exceed your Share Draft account available balance. In such an instance, funds will transfer automatically in the exact amount needed to cover the Share Draft account deficiency. A $1.00 fee will be assessed to your Regular Share account for each automatic transfer from it to your Share Draft account. A $20.00 fee will be assessed if funds are not available from your Regular Share account or from your Overdraft Line of Credit loan (or you have chosen not to utilize these transfer arrangements) for transfer to cover a Visa Check Card overdraft to your Share Draft account.

We encourage your utilization of Alexandria USDA Federal Credit Union ATMs. Each machine, one "walk-up" in the Pineville office lobby and one "drive-up" in the Alexandria office, is accessible 24-hours-a-day, 7-days-a-week. As a member, your use of our machines is free. There is no transaction or surcharge fee and withdrawals are limited only by the $500.00 per day maximum. At "foreign" ATMs, you may make four withdrawals per month at no charge. Thereafter, a $1.00 per transaction fee will apply.