Deposit Rates
Z-Money Market
/ APY
Z-Checking
/ APY
Z-Share
/ APY
Quoted Rates, dividends, annual percentage yields (APY)
and rates (APR) are subject to change daily at the discretion of the Board
of Directors.
Zard Card
Are you in need of a card to make quick and easy transactions? The Zard Card is a VISA Check or CashPoints card for ATM withdrawals or purchases - a "must have" for a busy teen! Both types of debit cards may be used as an ATM card or for purchases. For Zard Members under 18, a parent or legal guardian must be a co-owner on accessed accounts.- Account access via ASK SECU and online Member Access
- Accepted at CashPoints and Plus Network ATM locations
- No fee for purchases or for transactions performed at a CashPoints ATM
- Member ID photo may be added for additional security
| CashPoints Cards | VISA Check Cards |
| Checking account not required unless used for purchases | Checking account required |
| Perform ATM transactions | Perform ATM transactions |
| Make purchases at national Interlink merchants | Make purchases at worldwide VISA merchants or online1 |
| Debits funds directly from the Z-Checking account | Debits funds directly from the Z-Checking account |
| Requires PIN entry for all purchases | Requires PIN entry for debit purchases or requires signature for credit purchases |
| $500 daily purchase limit2 | $1000 daily purchase limit3 |
| $200 maximum daily cash withdrawal limit | $200 maximum daily cash withdrawal limit |
Immediately report lost or stolen Credit Union debit/credit cards by calling (888) 732-8562 or (919) 857-2150.
When obtaining either debit card, a four-digit PIN number will be created. This number is needed at the ATM and to make transactions. This number is confidential and should not be given out to anyone except the Credit Union and your parent or legal guardian who is the co-owner on accessed accounts. If someone were to obtain your PIN, he or she could purchase items pretending to be you. If you think this is occurring, immediately contact the Credit Union.
Unauthorized ATM Transactions
- If you believe your card and PIN have been lost or stolen and notify us within two business days, you will not have to pay more than $50.00 if someone uses your card and PIN without your permission.
- If you do NOT tell us within two business days after you learn your card and PIN have been lost or stolen, and we can prove we could have stopped someone from using the card without your permission had you notified us, you may lose as much as $500.00.
- You do not pay for any unauthorized (fraudulent) signature based purchase transaction. This applies to all consumer card purchases, including those on the internet.
For more information on debit cards, please see our Automated and Electronic Services brochure.
Related Links
1You may enroll in the Verified by VISA program, which allows you to
use password protection at participating online merchants.
2The daily purchase limit is $500, including a maximum cash withdrawal limit of $200 per day. However, if $200 cash is withdrawn, only $300 is available for purchases that day.
3The daily purchase limit is $1000, including a maximum cash withdrawal limit of $200 per day. However, if $200 cash is withdrawn, only $800 is available for purchases that day.
2The daily purchase limit is $500, including a maximum cash withdrawal limit of $200 per day. However, if $200 cash is withdrawn, only $300 is available for purchases that day.
3The daily purchase limit is $1000, including a maximum cash withdrawal limit of $200 per day. However, if $200 cash is withdrawn, only $800 is available for purchases that day.