Card Products

Card Products

ATM and VISA Check Cards
Get the convenience of accessing your credit union share/savings and share draft/checking accounts when you need to withdraw money, make a purchase, or pay for an item at a point of sale (POS) terminal.

ATM Card
The ATM card is called "Qwikcash" ATM card. With your Qwikcash ATM card and a personal identification number ( PIN) at an ATM machine, you can make withdrawals from your share/savings or share draft/checking accounts. Look for the CIRRUS or PULSE logos on the ATM machines. You can also inquire on balance. Click here to see Fee Schedule.

VISA Check Card
With your River Town Federal Credit Union VISA Check Card, you can use it like an ATM card with your PIN, but you can also do other things.

Make purchases directly from your checking account. Rather than write a check, use your VISA Check Card. You can use the card to make purchases wherever the VISA logo is accepted.
Use it at Point of Sale terminals wherever the VISA logo is accepted.
To see which card you can qualify for, contact a Member Service representative in the Credit Union. To get the card, you must complete a card application.

Things to remember about our ATM and VISA check card products:

1. They are not credit cards. All transactions are deducted from either your share/savings or share draft/checking.

2. Each time you make a purchase, use POS terminal, or make a withdrawal from an ATM machine with your VISA check card you should record the transaction immediately in your check register. If you forget, you could cause your checking account to be out-of-balance.

3. Reconcile your monthly statement. Report lost or stolen cards immediately. Refer to your EFT disclosure for more information on reporting lost or stolen cards.

4. You cannot make deposits at bank ATM machines. Since the credit union does not own its own machine, you must make your deposits either in person at the credit union office, through ACH, payroll deduction, or mail.

VISA Card
There are two types of VISA cards. Click here to see the costs associated with use of the card.

Classic
Gold

Enjoy these benefits of a credit union VISA card.

1. VISA is a widely accepted card world wide.
2. Higher limits
3. Lower Annual percentage rate
4. No annual fee
5. No cash advance fee
6. Access ATMs with a Personal Identification Number (PIN) worldwide
7. Cash advances made in the credit union office
8. Make your payments in the credit union office or click here to make your payment online.
9. Clear monthly statement
10. 24 hour touch tone access to your account balance.

VISA credit card application not available online. Please pick one up at the credit union or call 479-784-5600 and ask for the loan department to request an application by mail.