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The U.S. Bank Visa Check Card operates like most traditional debit cards.
You’ll need a checking account with U.S. Bank to use this card. But once you have it, you can use this card at the millions of locations that accept Visa-brand debit cards. You might discover that check, or debit, cards are a nice alternative to either carrying large amounts of cash or fussing with checks.
This card comes with no annual fee.
You can also design your own card.
If you’re a huge fan of the Minnesota Vikings, for instance, you can add the team’s logo to the front of your card. If you’re a golf enthusiast, your card can sport a shot of a well-manicured golf-course green.
How This Card Works:
The U.S. Bank Visa Check Card is designed to be used instead of cash or checks.
Whether you’re buying groceries, gas, clothing or dining out, you can use this card wherever merchants accept Visa debit cards. Fortunately, the number of retailers accepting such cards is already in the millions range, and is growing at a steady pace.
As with all debit cards, though, you need to make sure that you have enough money in your balance to cover your purchase.
The money for what you’re buying comes directly from your U.S. Bank checking account. You an also use your check card to withdraw money from both U.S. Bank and non-U.S. Bank ATMs.
Be careful of transaction fees, though, if you use an ATM not owned by U.S. Bank.
Shopping and Travel Benefits:
As a basic check card, the U.S. Bank Visa Check Card doesn’t come with many shopping or travel perks. The card, though, does allow you to track your purchases online with U.S. Bank’s Internet banking system.
U.S. Bank will also send you a monthly checking account statement that will show your check card purchases.
The card is also protected against fraudulent purchases in case it is lost or stolen.
Unlike credit cards, debit cards don’t come with such fees as purchase interest rates.
However, if you use your U.S. Bank check card to withdraw money from non-U.S. Bank ATMs, you will probably be charged a transaction fee. These vary according to the bank that owns the ATM you are using, but usually range from $1 to $4.
The Bottom Line:
- More convenient to use check cards instead of cash or checks.
- Can track purchases online.
- Free fraudulent purchase protection.
- Few perks come with this check card.
- It’s possible to drain your checking account if you don’t keep track of your purchases.