VISA® CheckCard

Enterprise Bank wants your primary banking method to be as effective as possible, so we have the VISA® CheckCard. It’s safer than cash, more convenient than checks and can provide an excellent alternative to credit.

ATM Anywhere

ATM anywhere provides access to your money at ATMs all over the world without a fee. ATMs owned by non-Enterprise Bank institutions may add a surcharge to the amount of the withdrawal or charge a fee for a balance inquiry. Enterprise Bank will refund all those charges. E Free Checking and Enterprise Golden Value Checking limit those refunds to six surcharge fees assessed at non-Enterprise Bank ATMs per month.

VISA® CheckCard

A VISA®  CheckCard allows you to purchase goods and services at any business location with a point-of-sale terminal that accepts VISA.  Instead of being a credit card the VISA®  CheckCard is a debit card, the money is taken directly from your Enterprise Bank account. It is similar to writing a check. Also, you are able to withdraw cash from an Automated Teller Machine, check your account balances, and transfer funds between your Enterprise Bank accounts.  There is no annual fee.  Enterprise Bank participates in the STAR® and CIRRUS® networks, giving your VISA® CheckCard the power to make transactions all over the world.

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Lost or Stolen Cards

If your card has been lost or stolen please call our Hot Card hotline at (866)546-8273 immediately.  This number is available to you 24 hours a day.  During business hours you may also contact your customer service representative by calling (561)624-4400 or (800)411-5387.

Contact the bank immediately if your VISA®  CheckCard or PIN is lost or stolen. An immediate phone call is the best way to reduce any possible losses. Unless you have been grossly negligent or engaged in fraud, VISA offers a Zero Liability policy if you report the loss or theft of your card within two (2) business days. This means 100% protection for you, guaranteeing you the maximum protection against fraud, provided, however, you report the loss or theft of your card within two (2) business days of the date such a loss or theft, and provided, further, you have not been grossly negligent or engaged in fraud. If you do not notify the Bank within two (2) business days from the date of the theft or the loss of your card, your liability for ATM transactions is limited to not more than $50.00. If you do not notify the Bank within two (2) business days from the date of the theft or loss, your liability for point-of-sale or signature transactions will not exceed $500.00. If you do not notify the Bank in writing within sixty (60) days following the date of the statement is mailed to you, or in the event that you are either grossly negligent or engaged in fraud, your liability is unlimited.

Error Resolution

In case of errors or questions about your electronic transfers (VISA®  CheckCards), call (561) 624-4400 or write us at Enterprise Bank 11811 U.S. Highway One, North Palm Beach, FL 33408, as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt.  We must hear from you no later than 60 days after we sent the first statement on which the problem or error appeared.

Our Business Days are Monday through Friday - Holidays not included.

If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days. We will determine whether an error occurred within 10 business days (20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account, a point-of-sale transaction, or a foreign-imitated transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (20 business days if the transfer involved a new account) for the amount you think is in error so that you will have the use of money during the time it takes us to complete our investigation. If we ask you to put your complaint in writing and we do not receive it within ten (10) business days, we may not credit your account. An account is considered a new account for 30 days after the first deposit is made, if you are a new customer. We will tell you the results within 3 business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documentation that we used in our investigation.

For a complete Disclosure and Agreement statement regarding the use of a VISA® CheckCard, please contact us at (561)624-4400 or (800)411-5387.

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