Instant Cash & Check Frequently Asked Questions

You are able to "write a check" without carrying a checkbook. You can use it as a cash card at an ATM. 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 writing a check out-of-state or out-of-the-country.

At an ATM, the Instant Cash & Check card works just like the Instant Cash® card. 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. However, the difference is that the dollar amount of the purchase is deducted from your checking account.

You will receive a receipt from either the ATM or the merchant. You should record the amount in your checkbook register and retain the receipt. Your monthly checking statement will describe the ATM or merchant location, VISA clearing date, and amount in detail.

Two to five days. Normal posting of a merchant purchase will occur similar to the amount of time a check takes to post to a checking account.

Refer to your financial institution's pricing policy.

The merchant will process a credit, which will generally post to your checking account within the same period of time it took the original transaction to post.

The merchant will follow the same authorization procedures as for credit card authorizations. VISA® will route the transaction request to Instant Cash Services for authorization and Instant Cash Services will send a message back through VISA® telling the merchant to complete or terminate the transaction. Authorization is normally completed within seconds.