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How
do I apply for a VNB Debit Card?
What
accounts will the VNB Debit Card access?
How do I access multiple accounts at the ATM with
my VNB Debit Card or ATM Card?
Are there any fees associated with the VNB Debit
Card or ATM Card?
How do I activate my VNB Debit Card?
Why use a VNB Debit Card?
Can I get cash back on my VNB Debit Card?
What are some ways to prevent VNB Debit Card
fraud?
How do I inform VNB of a lost or stolen Debit
Card?
What if I have a damaged VNB Debit Card or ATM
Card?
Can
I use my VNB Debit Card or ATM Card internationally?
How
do I apply for a VNB Debit Card?
Just visit one of our VNB offices. We'll be happy to take your
application. Issuance of a VNB Debit Card is subject to approval
based on customer history and creditworthiness.
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What
accounts will the VNB Debit Card access?
At a Virginia National Bank ATM, you will be able to access
up to 6 of your checking and money market accounts. VNB DebitCard
purchases will be withdrawn only from the account you designate
as your primary checking account. For regulatory reasons, your
primary account may not be a money market account.
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How
do I access multiple accounts at the ATM with my VNB Debit Card
or ATM Card?
The ATM machine will ask which account you wish to access. Money
Market accounts are accessed under the checking category.
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Are
there any fees associated with the VNB Debit Card or ATM Card?
No. There is no sign-up or annual fee for the VNB Debit Card.
Transactions at VNB ATMs and cash dispensers are free. ATMs
that are not operated by VNB may apply a surcharge to your transaction;
this is charged by the company that owns the ATM, not by Virginia
National Bank. Visa® does not allow merchants to charge you a
fee for using the card for signature transactions.
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How
do I activate my VNB Debit Card?
For security reasons, your VNB Debit Card must be used at an
ATM before it is activated for making purchases. All you need
to do is insert the card and enter your PIN number to activate
the card.
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Why use a VNB Debit Card?
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Worldwide
Acceptance: The Visa® logo transforms your VNB Debit Card
into a check card that can be used to make purchases worldwide. |
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Convenience:
The common hassles and procedures involved in getting
a check approved are eliminated. |
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Confidentiality:
Whether using a PIN or signing a receipt, the only information
provided to the merchant by the issuer is approval or
denial of the transaction. No additional ID or information
is required (i.e., Social Security number, phone number,
etc.) |
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Money
Management: Every purchase and ATM withdrawal appears
on your monthly VNB checking account statement, including
the date, place, and amount. This provides an easy way
to track spending and is a key benefit over cash. |
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Peace of Mind: One easy phone call prevents loss of money,
replaces the card, and limits your liability. |
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No
Finance Charges: Unless you access a VNB overdraft line
of credit, you'll pay no finance charges. |
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One
Less Bill: The money you spend comes from your VNB checking
account automatically, so there's never a bill or a late
charge. |
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Can
I get cash back on my VNB Debit Card?
Many merchants, such as grocery stores, will allow you to take
"cash back" when making a check card purchase. They
will only allow this with PIN-based transactions, for obvious
security reasons. The neat thing about getting cash back is
that doing this will save you a trip to an ATM and allow you
to avoid possible surcharge fees.
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What
are some ways to prevent VNB Debit Card fraud?
Do
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Sign
your new Virginia National Bank Visa® Debit Card immediately
with permanent ink |
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Commit your personal identification number (PIN) to memory |
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Report
lost or stolen cards immediately |
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immediately notify us if you change your address or phone number |
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Keep an eye on your Debit Card during transactions, and
get it back as quickly as possible |
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Keep a record of your card number and the expiration date,
in case the card is ever lost or stolen |
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Take receipts with you or tear them up before they are
thrown away |
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Review all Debit Card transactions carefully and immediately
report anything you find unusual, or transactions you
don't recognize immediately. |
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Remember to subtract the amount of purchases you make,
amounts you withdraw, and any fees from your account balance |
Don't
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Loan your card to anyone |
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Leave your card, account number, or receipts in an unsecured
area |
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Write
your PIN on your card or keep a copy of your PIN in your
wallet or purs |
| • |
Give
out your Debit Card number over the phone or the Internet
unless you initiate the transaction and then only if you
know the organization is reputable |
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Send your Debit Card details by e-mail |
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How
do I inform VNB of a lost or stolen Debit Card?
If your VNB Debit Card has been lost or stolen, please immediately notify us.
Call toll-free: 1.800.523.4175
Once you report
your VNB Debit Card as lost or stolen, it will take 7 to 10
days to receive a new card in the mail.
For your protection,
the account number on the face of your card will change. Once
you receive your new VNB Debit Card, remember to notify merchants
who automatically debit your account that you have a new account
number.
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What
if I have a damaged VNB Debit Card or ATM Card?
When using your card, if the ATM machine spits the card out
as soon as you insert it into the card reader slot, that indicates
that the magnetic strip on the back is damaged. Call us so we
can issue a new card to you. Do not attempt to insert a damaged
(i.e., split, bent, etc.) card into any ATM machine.
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Can
I use my VNB Debit Card or ATM Card internationally?
In most cases, yes. Neither VNB Debit Cards nor ATM Cards
will work in Turkey or Romania. We strongly recommend that
you consider testing your card and familiarizing yourself
with ATM and Debit Card rules and restrictions before you
leave the country. Credit cards are always preferable to check/debit
cards, as there is no risk of your account being wiped out.
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Report lost/stolen
card
