Whats the difference between a debit card and an ATM card?
A. A debit card performs the same functions as an ATM card and it can also be used as a check. Members who have XCEL checking get a debit card, others get an ATM card. XCEL uses VISA CheckCard as its debit card. * It is not a credit card. The VISA symbol simply means that VISA is processing your transactions. * You can use it as an ATM card at all machines displaying NYCE, CIRRUS, PLUS and VISA symbols. * You can use it as a check wherever the VISA symbol is displayed. The amount of your purchase is taken directly from your checking account, so you must have the funds available in your balance at the time of purchase. * Carrying a debit card is easier than carrying checks, and you don’t have to show I.D. when you use it. * There is no fee when you use your debit card as a check, and no fee when you use it at ATMs owned by XCEL. There may be fees when you use it at other ATMs. * When you use your debit card as a check, you may make transactions up to the amount of your checking account
