Use your Allegacy Visa Check Card when making everyday purchases at the store, café and everywhere Visa is accepted - it’s better protected and more convenient than writing a check. Your Allegacy Visa Check Card is accepted at more than 10 million ATMs, restaurants, grocery stores, and other locations throughout the world*.
Paper just can’t compete with the convenience, security, and rewards of using plastic.
You can write a check, but checks don’t offer the rewards or fraud protection of a check card.
Using an Allegacy Visa® Check Card to pay for everyday purchases is much smarter and safer than writing a check any day of the week. It’s convenient, secure, and can be used anywhere Visa is accepted. Just like checks, funds are debited from your checking account. But unlike checks, you'll earn rewards points on every purchase, redeemable for travel, gifts, and all kinds of cool merchandise. Make sure you choose “Credit” when swiping your card to maximize your rewards points.
Visa Check Card Rewards
We offer the benefit of Rewards on our Visa Check Card. Here are the details:
- Always remember to select “CREDIT” at the point of sale.
- You’ll receive 1 point for every $2 you spend, just by using your Visa Check Card at millions of locations.
- If you already have an Allegacy Check Card, you are now automatically registered to begin earning points to redeem toward merchandise or travel miles.
Use your points for merchandise and travel. Already have your Visa Check Card? Access your benefits here.
Reward yourself with our Visa Check Card Rewards and begin earning your points today, just for using your card.
Visa Check Card directly accesses funds in your Allegacy Checking account and is available to use at millions of locations worldwide.
When using your Visa Check Card, push the "CREDIT" key to sign for your purchase, and save!
When you swipe your Visa Check Card at the checkout line, you are usually given two options: to press the Debit key or the Credit key. In the future, you may want to choose the CREDIT key.
Why? When you push the CREDIT key, your purchase will still be taken from your Allegacy Checking account and you sign a receipt. But, by sending the purchase through as a "CREDIT" transaction instead of a "debit" or PIN transaction, you will receive some distinct benefits. Look at the comparison below:
Choosing Credit Key and Signing for Purchase |
Choosing Debit Key and Using PIN |
| With signature-based purchases, funds are not withdrawn immediately, but are put on "hold" in your checking account to post to your account in 1 to 3 days. These funds will not be available for other purchases after the hold is placed. |
Money is immediately withdrawn from checking account. |
| Detailed record-keeping; merchant's name listed on statement. |
No indication of merchant on statement; just Point-of-Sale address. |
| Just sign receipt. In some instances the signature requirement is waived (like at the gas pumps) |
Must remember and enter PIN #, in plain view. |
| Earns interchange income from Visa USA, for Allegacy, which is given back to you in the form of higher savings rates,
low or no fees, and lower loan rates. |
No interchange income earned. |
| Earns Rewards points at Allegacy to redeem for brand name merchandise or exciting travel. |
No Rewards points earned. |
| Protects you under Visa USA fraudulent alerts and Zero Liability. |
More difficult to quickly identify fraud. |
| Enters you in any Allegacy or Visa USA sweepstakes. |
Not entered in national or Allegacy sweepstakes. |
*Always contact Member Services before traveling outside the United States, so Visa Fraud Monitoring will be aware you will be using your card outside your normal usage patterns. |
