ATM and Debit Card FAQs
What is the difference between a card that can only access my Savings Account, and a card that can access both Checking and Savings
A card that accesses only your Savings Account has withdrawal and point of sale limitations of $300 each, smaller than those of a Debit card. Unlike a card linked to your Checking Account, cash advances cannot be done at other financial institutions. In general, a card linked only to your Savings Account is less flexible than one linked to your Checking Account, although this is sufficient for some members’ needs.
For your protection, the daily limit is $2500 for purchases and $500 from POS & ATM machines (or a maximum of 20 total transactions per day)
For your protection, the daily limit is $300 for POS purchases and $305 at ATM machines (or a maximum of 20 total transactions per day).
Yes, you can use your card at any bank or credit union that honors these types of transactions. Simply ask for a cash advance. Withdrawals will automatically be deducted from your Checking Account.
It depends. Funds from any deposits made at automated teller machines (ATMs) we do not own or operate will not be available until the fifth business day after the date of your deposit.
Funds from deposits made at ATMs we own or operate will be available on the next business day after the date of your deposit. A maximum deposit of $5,000 per day is permitted.
Your new balance is available for immediate use at ATM machines and for debit card purchases.
Each account is allowed unlimited PIN-activated transactions at all Widget ATMs, but only four (4) free foreign (non-Widget) ATM Transactions per month. These transactions include inquiries, ATM withdrawals, ATM deposits, and ATM transfers. Each transaction over four (4) will be assessed a $1.00 fee per transaction. If you use an automated teller machine (ATM) that is not owned or operated by us, you may incur an additional fee from that financial institution.
During business hours, you can call the credit union office and talk to our Card Services Department at 814-456-6231, Ext.118. Your card will be blocked, and we will issue a new card as soon as possible. There will be an $8.00 fee to replace the card. If you lose your card while the credit union is closed, please call 814-464-8249 to report your card lost or stolen. Call our Card Services Department the next business day to reorder your card.
You must be 16 years or older to apply for a Debit or ATM card. If you are under 18 years old, then the joint owner on the account must give permission. The joint owner must be a parent, legal guardian, or responsible adult 18 years or older of the primary owner that is on the account.
You may change your PIN by calling Widget Financial at 814.456.6231, Ext.196. When calling, please have your card available for reference. Also, you may visit your nearest Widget Financial branch location.
You receive unlimited PIN-based transactions at the point-of-sale and all Widget ATMs, but only 4 free PIN-based transactions at a foreign (non-Widget) ATM per month. These transactions include ATM withdrawals, ATM deposits, inquiries, and ATM transfers. Each transaction over the allotted 4 will be charged a $1.00 fee per ATM transaction.
You may activate your ATM or Debit card by calling 1-844-491-2991.
Your card should arrive in 5-7 business days. Your card will arrive in a plain, white envelope, and can be activated by calling the phone number on the sticker affixed to the card.
For assistance with forgotten PINs, call our 24/7 support line at 814.456.6231, or visit your nearest Widget Financial branch location.
If it is one of our Credit Union Debit or ATM cards, and the ATM machine used is located at one of our branches – you may go into the Credit Union if it is currently open to retrieve it with proper identification. If you used another ATM location or the Credit Union is closed, please contact the Credit Union at 814-456-6231, ext. 118 or go through on Online Banking and send a Message to the Credit Union in regards to your card and the status of the card.