Visa Check Card

TCT Visa Check Card Advantages:

  • Can be used for purchases at stores, ATM's and online
  • Can be used wherever VISA or PLUS is accepted
  • Can be used to withdraw money from your
    share draft checking account
  • Only a one time charge of $10 to print the card
  • NEW EMV Chip Card Technology!
    EMV FAQ's

What do I need in order to access my checking account at an ATM?

Simply use your TCT Visa Check Card, and select WITHDRAWAL FROM CHECKING.

Please note: your VISA check card can only be used to withdraw money from your share draft checking account.


What do I need in order to access my checking account at a store?

Select "Credit" when using your TCT Visa Check Card at a store.  Even-though your VISA Check Card is a debit card, selecting "Credit" is what is needed in order for your transaction to get processed correctly.




55,000 totally surcharge-free ATM's nationwide!

TCT participates in the Allpoint ATM Network. Allpoint is the nations largest surcharge-free ATM network. These ATM's can be found in several locations, including Hess Marts, Target Stores, and several other restaurants and stores.  Just look for the Allpoint logo.

Allpoint has approximately:

  • 30 ATM's in Saratoga County

  • 22 in Warren County

  • 13 in the Cambridge Area

  • Over 3000 in New York

Please note: some ATM's may appear at the beginning of the transaction that they will charge a fee.  If you select WITHDRAW FROM CHECKING, you should not be charged a fee, and your receipt should not indicate a fee was charged.


Search For Allpoint Locations


Other surcharge-free ATM locations:

  • Milton Main Office - 416 Rowland Street, Milton

  • Cambridge Office - 17 Gilbert Street, Cambridge

  • Thruway Beverage - 1184 Route 29, Greenwich

  • Clifton Park Office - 520 Vischer Ferry Road, Clifton Park

  • Queensbury Office - 4 Hunter Brook Lane, Queensbury

We will not charge you to use an ATM:

When you use your TCT VISA Check Card at any ATM worldwide, TCT will not charge you a fee.  This is just another example of the benefits of being a TCT member, because many banks charge fees if their customers use ATM's that are not owned by that bank.  Please keep in mind that while TCT does not believe it is in your best interest to charge for ATM usage, others may not feel the same way, and you may be surcharged a fee at an ATM by the owner of that particular ATM.  If you see the Allpoint logo, then your transactions at that ATM will be surcharge-free.


Verified By VISA Protection!

TCT participates in the Verified by VISA program to help better protect your card for online transactions.


Lost or Stolen Cards:

Card Activation and Pin Reset
  • 1-800-472-3272
  • 1-800-757-9848

*By using an external/third-party link you will be leaving the TCT Federal Credit Union Web site. We are not responsible for accuracy, security, or content of other Web sites. We do not represent either the third-party or the member if the two enter into a transaction. We encourage you to view privacy and security disclosures of all Web sites you visit.

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