Because a check card is multi-talented, it can be used like a credit card, which means you either can sign for purchases or enter a PIN when you use it. When used with a signature, your check card gives you valuable zero-liability protection. So if the card is ever used fraudulently, you will not be held responsible for the charges.

The amount of your check card purchase is immediately deducted from your checking account. In some instances, as when purchasing gas, only one dollar posts to your account initially. However, the total purchase amount will be deducted from your checking account within 2-3 business days.

The Chevy Chase Check Card also is a good way to stay financially responsible. While you may be tempted to buy things you can’t afford with a credit card, the lure isn’t so great when you can only spend what’s in your checking account. A Check Card transaction is much more like paying with cash.

Get Rewarded: Chevy Chase Rewards featuring Visa® Extras

Not only do you get fast access to cash and the ability to make purchases with your Chevy Chase Check Card, you also earn points for qualifying purchases when you enroll in Chevy Chase Rewards. Points are redeemable for gift cards, merchandise, travel and more!

Here are a few things to remember when using your Chevy Chase Check Card:

• Look for the Visa® symbol to identify that your card is a Check Card. ATM cards do NOT have a Visa® logo and can only be used at Chevy Chase Bank ATMs or at STAR® or Plus® System network ATMs worldwide.
• At Chevy Chase Bank, you can create your own PIN (Personal Identification Number). For security purposes, we suggest that you avoid the obvious – your name, address, phone number, or birth date. Keep your PIN private. Memorize it. Don’t write it down (especially on the Card) and don’t tell it to anyone.
• Know your current account balance. Overdraft fees put you over and out. Balance alerts can help you manage your account balance.
• You have two choices when making purchases with your Chevy Chase Check Card. If you choose “credit,” you will avoid transaction fees and earn Chevy Chase Rewards points. If you choose “debit” and enter your PIN, you can receive cash back (a fee may be assessed).
• Whenever you make purchases using your Chevy Chase Check Card, the amount is immediately deducted from your checking account.
• Always keep receipts. You should be doing this anyway for your budget.
• Record transactions in your check register. Remember to include any Check Card fees that may apply (like when you use another bank’s ATM).
• If your Chevy Chase Check Card is lost or stolen, report it immediately to Chevy Chase Bank at 1-800-556-5678.