Q: Are there fees for Island's Debit Card or ATM card?
A: There is no fee to have either card, and no transaction fee when you use either card at an ATMs owned by Island FCU, Shared Service Centers, King Kullen® supermarkets, Wild by Nature® markets or Co-Op Network. You can also use the Debit Card for purchases at point-of-sale. There is a 75 cent transaction fee when you use either card at ATMs not owned by IFCU, or is not part of our networks. Surcharges at ATMs owned by other institutions may also apply. To avoid unnecessary transaction fees at non-IFCU ATMs, we recommend using your card only for cash withdrawals. For balance inquiries and transfer of funds, use TouchTone Teller, our free 24-hour telephone banking service.
Q: When I use the Debit Card to make purchases, is there a finance charge?
A: No. There is no transaction fee or finance charge when you use your CheckCard to make purchases. It's the same as writing a check except that the money comes out of your Island checking account at the time of the transaction. Visa simply provides the electronic link.
Q: What is the cash withdrawal limit at ATMs?
A: $500 per day. Of course, you must have the funds in your account at time of withdrawal. Some institutions set limits below $500 on their ATMs, especially during the holidays when demand is greater. In such cases, the limit on that ATM applies.
Q: When are transactions posted to my account?
A: Transactions are posted as they are entered.
Q: How do I view my account history?
A: Select Account Summary. Each account listing is underlined. Click on the underlined listing you want and the history screen for that account will open.
Q: Can I change my password?
A: Yes. Log onto Home Banking, click on User Options and you will see instructions for changing your password.