Linked to your share draft account, your Visa Instant Cash and Check Card works at any merchant that accepts Visa. 

You can choose to withdraw cash from your share draft or Super Rate Savings account when at an ATM machine.

Pick up an application for an Instant Cash and Check Card at any SCCU location.

You can draw cash with no transaction fee from any SCCU ATM. Click here for locations.

Any cash transactions at non-SCCU ATM machines will result in a $1.25 service fee from SCCU. 

CHANGE TO PROCESS FOR POSTING FOREIGN TRANSACTIONS ON MONTHLY STATEMENTS.

Currently when a purchase is made in a foreign country, the transaction amount is converted to U.S. dollars and adjusted by a 1% currency conversion fee.  When the transaction is posted to your account, the total amount (purchase amount plus conversion fee) appears as a single transaction on your monthly statement.  Effective April 2, 2005, the "Currency Conversion Fee" will be replaced by "a 1% International Transaction Fee" (or, according to Certegy an "International Service Assessment").  This fee will be assessed on all international purchases, credit vouchers, and cash disbursements where the merchant country differs from the country of the card issuer.  The converted transaction amount will be shown separately from the International Transaction Fee on your monthly statement.

CHANGE TO FOREIGN TRANSACTION CURRENCY EXCHANGE RATE

Effective April 2, 2005, the exchange rate for transactions in a foreign currency will be a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives, or the government mandated rate in effect for the applicable central processing date, plus the 1% International Transaction Fee."

Effective April 1, 2008, The Visa Foreign Transaction Fee (FTF) is changing for debit and credit card programs.  Effective April 1, 2008, VISA will charge 0.8% for international transactions that do not involve currency conversions.  The current 1% FTF assessment for international transactions that involve currency conversions remains unchanged.