Visa Debit Card - FAQs


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Do I have to be a member to take out a Visa Card?
The Bank is a mutual financial services organisation and as such is owned by its members, each one of whom is a shareholder. Therefore you must be a member of the Bank to have a Visa Card. 

How much can I borrow?
The maximum amount you can borrow is dependent on your ability to meet your repayments. ^

How is the interest calculated?
Interest is calculated daily and charged monthly.^

How long do I have to repay my balance?
An Overdraft is a continuous credit contract which means as you pay it back you can redraw on it up to your agreed limit.^

How often will I receive information on my account?
Statements are issued six monthly or every three months as required. Duplicate statements can be requested at any time from our office.
Account Balances and Statements are also available through our Internet and telephone banking services. ^

What security is required to take out a overdraft?
No security is required. ^