A: To receive a VISA Debit Card, you must
have an Idadiv Checking Account. You can visit our branches
to apply for a checking account and a VISA Debit Card.
A: There are no annual fees for your VISA
Debit Card. Transactions at Idadiv ATMs are free. Some
non-Idadiv ATMs may apply a surcharge to your transaction-
this is charged by the company who owns the ATM, not by
Idadiv. VISA does not allow merchants to charge you a fee
for using the card for signature transactions.
A: Notify us immediately at (208)
467-6583 or (800) 882-6583. If it is after hours and Idadiv
is not available, call (888) 241-2510 within the US or
collect at (909) 941-1398 from outside the US. Notify us
as soon as you are aware that your card is missing to minimize
A: The VISA Debit Card is NOT a credit
card, and does not replace your existing Idadiv VISA credit
card. Your Idadiv VISA credit card processes transactions
as advances against a line of credit loan, to be repaid
at a later date. Your Idadiv VISA Debit Card will deduct
the transaction amount from funds already on deposit in
your checking account.
A: One of the conveniences of the VISA
Debit Card is that it works like an ATM card. Remember,
if you make a purchase with the VISA Debit Card, it will
access only your checking account.
A: Yes, providing they are joint signers
on the account.
A: Your VISA Debit Card is like carrying
an electronic checkbook. It is safer, faster and smarter
than using cash or checks for purchases. There is no need
to carry extra cash or wait for check approval, and no
additional identification is necessary. Best of all, there
is no bill to be paid later for these purchases, because
the amount is taken directly out of your checking account.
A: Just like a VISA Credit Card transaction
- most merchants will assume that it is a credit card.
Either you or the merchant swipes the card through the
reader and receives authorization either electronically
or by phone. Once authorized, you will be asked to sign
the sales slip like any other VISA transaction.
A: It depends on the situation. For face-to-face
transactions, you can use your card to make purchases by
signing a sales receipt or by using your Personal Identification
Number (PIN), depending on the merchant. When the card
is used to make purchases via mail, telephone, or on the
Internet via a merchant's web site, no PIN or signature
is needed; however, providing the proper billing address
to the merchant is very important, as the address will
usually be verified. Some gas stations with "pay-at-the-pump" capabilities
do not require a PIN or signature.
A: Most merchant systems were developed
before Debit Cards, like your VISA Debit Card, became popular.
If you select the Debit option, you will be asked to enter
your PIN, and the transaction will be immediately deducted
from your checking account. If you select the Credit option,
you will not be asked for a PIN, but will sign the sales
slip like any other VISA transaction, and the amount will
be deducted from your checking account in the same manner
A: That depends on the type of transaction.
Because Idadiv processes all Check Card transactions in
a live setting, you will most likely see the transaction
immediately after it happens. Some transactions, however,
may take a little longer to post to your account.
A: We will place a 'hold' on the funds
authorized until the transaction is finally received and
posted. This means that these funds will not be available
for withdrawal by ATM, teller transaction, or check. You
can see this difference by comparing your account's 'Available
Balance' with the 'Actual Balance. ' If your checking account
pays interest, the interest will continue to be paid on
these funds until the actual transaction item is received
and the funds are deducted.
A:The daily cap for ATM or POS cash withdrawals is $500. However, your purchase activity is limited by the available balance in your checking account, or $5,000, whichever is less.
A: Yes. You can still write as many checks
as you wish, provided that you have the funds in your checking
account to cover them.
A: No. VISA Debit Card transactions are
processed as if they were electronic checks, so the card
must be attached to a checking account.
A: For routine transactions, all you will
need is your Debit Card. For larger transactions, the merchant
may require an additional piece of identification for your
A: Anywhere that VISA is accepted - over
14 million locations worldwide. In addition, it is accepted
at any merchant that displays the STAR, Cirrus, and CO-OP
A: Yes - many merchants, such as grocery
stores, will allow you to get cash back in addition to
the purchase amount if you have adequate funds on deposit.
You can even get cash back from most other financial institutions
that display the VISA logo.
A: Yes. The card must be signed to be
valid. Signing the card will also aid in protecting you
against unauthorized use in the event you lose your card
or it is stolen. Please note, writing 'See Photo ID' on
the back of your card in lieu of signing it may render
the card unacceptable at some merchant locations. VISA
regulations require a valid signature.
A: Simply save your receipts and enter
the amount of each purchase or transaction into your check
register or check your account information using our home
banking or Smartline. You get a detailed record of each
transaction on your monthly checking account statement,
so it's easy to know what you spent and where you spent
A: You should receive your new VISA Debit
Card within two weeks of it being ordered. If you have
not received it within two weeks please call (208) 467-6583.
A: The most likely cause is that after
we placed the 'hold' for the amount of the authorization
requested by the hotel, there were not sufficient additional
funds for the second transaction.
A: Yes - your VISA Debit Card will be
honored by any merchant on the Internet who displays the
A: Yes, with reasonable precautions. On
the Internet, as in face-to-face transactions, you want
to do business with a reputable merchant. We recommend
that you not 'save' your VISA Debit Card number at any
merchant locations, or on your PC, especially in an environment
where multiple people are sharing the PC. It is also advisable
that you close your browser immediately after completing
your transaction(s). Idadiv also recommends that you register
your card with Verified by VISA.
A: Yes - your VISA Debit Card will be
honored at any merchant worldwide who honors VISA transactions.
A: Yes - you will be asked to activate
your Idadiv VISA Debit Card at an Idadiv ATM. Once you
have done that, you will have the option to change the
person is different. To ensure your PIN is not compromised,
do not write your PIN number on your card, carry it in
your wallet or purse, or have it listed in an address book. Additionally,
if you choose to change your PIN, be sure to choose something
that is not easily guessed such as an address, phone number,
birth date, or anniversary.