ATM Locations ________________________

 ■  PULSE ATM and PULSE PAY Merchant Locations

PULSE cards may be used at PULSE ATM's and PULSE PAY merchant locations nationwide.  PULSE cards may also be used at ATM's on other ATM networks that have exchange agreements with PULSE.  

General Information about PULSE

 ■  PULSE cardholders may:

  • Get cash.
  • Transfer money between their accounts.
  • Inquire about their account balances.

at PULSE Automated Teller Machines (ATM's).  Deposits to accounts may not be made at an ATM.  

Also PULSE cardholders may ask for "cash back" when making purchases with their PULSE card at PULSE PAY merchants.

 ■  Free Use of ATM Card

Members may avoid ATM charges by asking for "cash back" when making purchases with their PULSE card at PULSE PAY merchants.  The PULSE card may be used just like a check at any merchant who accepts PULSE cards.   And you may ask for cash back - similar to writing a check for more than your purchase and getting cash back.  Most merchants who accept PULSE cards offer cash-back and most do not charge a fee for cash-back.  The amount may be limited.    IT IS SAFE AND FREE!!!  

 ■  No Charge ATM's Available

Select ATM Program - Members may save on ATM charges by using an ATM operated by a member of the Select ATM program.   The credit union participates in the Select ATM program.  Members are not be surcharged by the terminal owner at any ATM that displays the Select ATM logo.  The credit union charges $1 for each ATM transaction made at a Select ATM.  

 ■  Fees

  • $1 for each transaction made at an ATM in addition to any charges at the ATM. 
  • No charge for PULSE PAY transactions.

 ■  ATM Security - It's Everyone's Job

Keep your ATM card secure

  • Keep your “secret code” a secret.  Your PULSE card will only work with your personal identification number (PIN).  Memorize your code.   Do not write it on your card or store it with the card.   Remember not to tell your code to anyone, and never let someone else enter your code for you.

  • Take your ATM receipt with you.   Do not leave it at or near the ATM.
  • Take your card with you.  Do not leave it in or at the ATM. You may be responsible for any lost funds as a result of leaving your card behind.
  • Do not give out any information about your PULSE card over the telephone or Internet.  No one needs to know your secret code, not even the credit union.   We will never ask you to tell us your code.
  • Report a lost or stolen card at once.   Promptly report a lost or stolen card to reduce the chance that it will be used improperly.  You will be issued another card.   Contact us directly here at the Credit Union.
  • Check your receipts against your monthly statement to guard against ATM fraud.  You get a receipt every time you make an ATM transaction. Verify each transaction by checking the receipts against your monthly account statements.

Security at Walk-Up ATM's

  • Always observe your surroundings before conducting an ATM transaction.  If you are driving to an ATM, park as close as possible to the terminal.   Observe the entire area from the safety of your car before getting out. If you see anyone or anything that appears to be suspicious, leave the area at once.
  • If an ATM is obstructed from view or poorly lit, go to another ATM.   Report the problem to the financial institution that operates the ATM.
  • Minimize time spent at the ATM by having your card out and ready to use.   If the ATM is in use, give the person using the terminal the same privacy you expect. Allow them to move away from the ATM before you approach the terminal.
  • Stand between the ATM and anyone waiting to use the terminal so that others cannot see your secret code or transaction amount.  Once you have completed your transaction, take your money, card and receipt and immediately move away from the terminal.
  • When possible, take a companion along when using an ATM, especially at night.
  • If you see anyone or anything suspicious while conducting a transaction, cancel your transaction and leave immediately.
  • If anyone follows you after making an ATM transaction, go immediately to a crowded, well-lit area and call the police.

Safety is Everyone’s Business

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Updated 03/20/2008