Point of Sale
You will find point-of-sale terminals at many grocery stores and convenience stores. Just swipe your card, request cash back and enter your Personal Identification Number.

Visa Debit Card Transactions
You can use your card to pay for purchases just like you would a credit card. The money comes directly out of your checking account. You will hand the merchant your card and sign the receipt. It's that easy!

ATMs
You can use your EXPRESS CheckCard, just as you would use an ATM card. It's free when accessing any First Community Credit Union ATM. You can also use your card at any ATM bearing the following logos: Pulse, Co-op, Star, Cirrus and EXPRESS 24. There is a nominal $1 fee when using a machine not owned by First Community.

To receive an EXPRESS CheckCard, you must have a checking account with the credit union. Just call our Member Service Center at (636) 728-3333 or 1-800-767-8880, or request one via
e-mail.

• ATM Card
  

Overdraft Privilege
Checking account overdraft privilege on debit card and ATM transaction. Effective April 1, 2005 we will expand our *Overdraft Privilege service to include debit card transactions and ATM withdrawals through your Express Checkcard and Express 24 cards. Eligible checking accounts will automatically have this feature activated on their account. There is no need to contact us to sign up.

*Overdraft Privilege is a discretionary service and we are not obligated to pay any overdraft. Not all accounts are eligible and restrictions apply. See our Overdraft Privilege Service Description. Our normal non-sufficient funds or overdraft charge will apply to each item overdrawing your account. Business accounts may be excluded.