The Community First Visa® Check Card looks like a credit card but works like a check. Use it to make purchases wherever Visa is accepted and the amount of the purchase is deducted from your checking account—just as if you had written a check. Use it as an ATM card to get fast, FREE access to your money with cash withdrawals at Community First ATMs, Publix Presto! ATMs, CO-OP® and CUHere®. You can also access your account at more than 200,000 additional locations.

With our Visa Check Card and a Community First checking account, you will receive:

• CURewards™ Points—Every time you swipe and sign your Visa check card for purchases, you earn CURewards™ Points. Simply sign for your purchase (instead of entering your PIN) and you will receive one point for every $5 in net purchases. Use your check card for all purchases and see how quickly the points add up! To redeem points or for more information, visit www.CURewards.com
• You can even combine your debit rewards to your Community First Credit Card for added value. Just give us a call at 904.354.8537 or 800.342.8416 and ask us to combine your rewards.
• Access to your checking account at Point-of-Sale (POS)—Use your check card instead of cash or checks at supermarkets, restaurants, service stations, department stores and other places you shop to pay for goods and services. Your check card will be accepted wherever the Visa logo is displayed. If you need cash, save yourself a trip to the ATM by using your PIN and selecting cash back (where available).
• ATM Access to your Community First Accounts—Your Community First Visa Check Card is also an ATM card. You can make up to $500 in withdrawals per day, transfer funds between your accounts and make unlimited inquiries. You can also deposit cash or checks at designated ATMs.
• FREE access at Community First owned ATMs, Publix Presto! ATMs, CO-OP® and CUHere®. You also have access to thousands of Star® and CU24® ATMs; click here for ATM locations.

Other valuable features of our Visa Check Card include:

• No annual fees or finance charges
• Protection by Visa’s zero liability fraud coverage in the event that your card is ever lost or stolen—simply report the loss promptly.*
• A detailed description of your transactions that will appear on your monthly credit union statement or that can be viewed immediately on eBranch. Don’t forget to keep your transaction receipts and enter deposits and withdrawals into your checking register.

* Visa’s zero liability policy for check cards does not apply to ATM transactions or to PIN transactions not processed by Visa.

A Visa Check Card Dispute occurs when a member and merchant cannot resolve an issue about a particular transaction. This does not apply to ATM nor anytime the PIN is used.

The merchant must follow certain regulations in order to accept Community First Visa Check Cards. Therefore, Visa checks first to see if the merchant has complied with all regulations. If not, the Credit Union may be able to assist in resolving the dispute. Due to strict time limits imposed on disputing transactions, your dispute form and supporting documentation must be received within 60 days from the date of the statement on which the transaction in question appears.

If you have not been successful in resolving the problem yourself with the merchant, please follow these instructions so that we can assist you:

• Please print the Cardholder Dispute Form and check the appropriate box. Remember, you must supply all additional information requested.
• Signature—must be the signature of the cardholder
• Fax to: 904.371.7992 or
  Mail to: Community First Credit Union of Florida
  Attn: Automated Services
  P.O. Box 2600
  Jacksonville, FL 32232-0077
• Or Return to one of our convenient branch locations.

• If you misplace your card or have not received it, simply call 800.449.7728 24 hours a day, 7 days a week, and we will be happy to help.