What is an Instant Cash & Check card?
The Instant Cash & Check card is an enhanced version of the Instant Cash card. In addition to ATM use, it can be used in place of writing a check or using a credit card to purchase products and services for more than 18 million Visa merchants displaying the Visa logo.

What are the advantages of having and Instant Cash & Check card?
Primarily, the Instant Cash & Check card is faster, safer, and smarter than using checks, cash or a credit card.

• You are able to "write a check" without carrying a checkbook.
• You can use it as a cash card at an ATM.
• It eliminates the hassle of showing multiple forms of identification when writing checks.
• You can use it anywhere you travel; you don't have to worry about a check not being accepted out-of-state or out-of-country.
• The monthly statement is easy to balance, with the description of both ATM usage and merchant purchases detailed on the statement.
• You have access to the Cirrus and Visa ATM networks.

How does the Instant Cash & Check card work? 
At an ATM, the Instant Cash & Check card works just like the Instant Cash card. You use your PIN number to access your account. When using the Instant Cash & Check card to purchase products and services, the merchant looks for the Visa logo and processes the transaction in the same way a credit card transaction is processed. You are required to sign the receipt. However, the difference is that the dollar amount of the purchase is deducted from your checking account. 

Can you select your own Personal Identification Number (PIN) for the Instant Cash & Check card? 
Yes, you can select a new PIN after receiving an Instant Cash & Check card.

How should a cardholder record their Instant Cash & Check transactions?
You will receive a receipt from either the ATM or the merchant. The cardholder should record the amount in his or her checkbook register and retain the receipt. The checking account statement will list the amount and the ATM or merchant location.

What accounts can a cardholder access with an Instant Cash & Check card?
When the Instant Cash & Check card is used to make a purchase, it can only access funds from the cardholder's primary checking account. When it is used at an ATM, the cardholder can access either his or her checking or savings account.

How long will it take a merchant purchase to be debited to a cardholder's account when using an Instant Cash & Check card?
Two to Five days. Normal posting of a merchant purchase will occur in a similar amount of time that a check takes to post to the cardholder's checking account.

What are the security issues of using a PIN vs. signing the receipt?
When a cardholder has the choice between using a PIN or signing a receipt, a signature is safer. People have had their PIN numbers stolen. It is much more difficult to duplicate a signature. It is a good idea for cardholders to sign their receipt when they use their Instant Cash & Check card. You should select the "credit" button not the "ATM/Debit" button so that you can sign your receipt for greater security. 

What should cardholders do if their Instant Cash & Check card is lost or stolen?
The customer should report it as soon as possible to Security State Bank. If the loss is discovered outside of the normal business hours, then the customer should call 1-800-535-8440.