You will need your account number found on your bill. Pay Now With No Online AccountĬlick here to pay your bill without having to log into a Smarthub online account. Payments can also be placed in a drop box located by our dirve-through window after normal business hours. Both areas are available for members to make payment Monday-Friday from 8 a.m. You may also use our drive-through pay window located on the north side of our building. You may pay your bill by stopping by the cashier’s window in our lobby located at our headquarters building along Rt. You can use our automated system by following the instructions provided to you when you call. If the missing card is reported before any fraudulent charges are made, there is no liability at all.You may pay your bill via credit card or debit card by calling us at 88. If a credit card is lost or stolen, under the Fair Credit Billing Act, the maximum liability is $50. Unlike an ATM or ATM/Debit cards, all charges, as well as any cash advances, are not automatically deducted from your checking account, unless specific arrangements are made through the bank.Ĭredit cards carry some additional protections that debit and ATM cards do not have. If the payment is late, the credit card company may also charge late fees and revoke promotional interest rates. Should you be unable to pay the entire balance due, then the credit card company charges you interest. It is a loan. Purchases made during the month are billed to the credit card holder, and you will pay the bill at a later date. What is a credit card?Ĭredit cards allow a consumer to purchase goods and services by borrowing against an approved line of credit. If the consumer waits 60 days, then they may lose their entire account plus any linked accounts. After 2 days, the liability increases to $500. Visa and Mastercard branded debit cards have the same deadlines as ATM cards for reporting fraudulent activity: if reported within 2 days, the maximum liability is $50. Otherwise, you risk causing an overdraft on your checking account. That means it’s up to you to keep a mental record of the transaction and deduct it from your checking account balance the day of the purchase until the withdrawal has been made from your account. Remember, whether a debit card is swiped as a debit or credit transaction, the purchase will be automatically deducted from the consumer’s checking account, but it could take a few days for a credit transaction to clear your account. While it may take a few days, the purchase price will be deducted automatically from your checking account. In this case, even though it was swiped as a credit card, it is still considered a debit card transaction. If the card is swiped and credit is chosen at the register, a PIN is usually not required. The purchase is immediately deducted from your checking account. If the card is used as a debit card, a PIN is usually requested. No matter how the card is used, it will be automatically deducted from your checking account. This card can be used as an ATM card or at the point of purchase as a debit card or credit card. But my ATM has a Visa or MasterCard logo, what does that mean? After 60 days, the consumer can be held responsible for the entire amount that is missing from their account, as well as any accounts that might be linked to it. If a card is reported lost or stolen more than 2 days but less than 60 days after it is missing, the consumer can be held liable for up to $500 of the loss. If a missing card is reported within 2 days of fraudulent activity, then the maximum liability is $50. If a card is lost or stolen and the consumer reports it before any fraudulent charges are made, there is no liability. This card can only be used at ATMs and requires a PIN (Personal Identification Number).Īll withdrawals using an ATM card are immediately deducted from the customer’s account. If a bank allows it, you can also make deposits into an account during and outside regular business banking hours. ATMs or Automated Teller Machines are mostly used to withdraw cash.
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