Card FAQ's

Verified by Visa

Do you want extra assurance that your Visa credit card will be used only for legitimate online purchases? If so, register your card with the Verified by Visa program. Participating online vendors will then ask for a password whenever you use your card in addition to the usual information such as address, expiration and phone number.

Register your Visa Card with Verified by Visa

Verified by Visa

Information About Our Real-Time System

The main benefit of real-time is that deposits are instantly available for ATM withdrawals or POS purchases. Note: the bank may delay availability of some deposits pending verification of funds.

What About Memo Holds I See on My Account?

Ever wonder why you swipe your card before pumping gas or what the waitress is doing with your ATM/Debit card before you add a tip? Gas stations and restaurants place a pre-authorization hold on your money before the transaction is really complete. Different retailers use different hold amounts to provide them with sufficient assurance the final total will be accepted. The pre-auth hold disappears when the final settlement is transmitted to the bank except when the authorization codes differ. When that happens you may see both the pre-authorization hold and the final settlement on your account for up to three days. Usually, the effect is not serious, as the bank ignores pre-auth holds when processing checks, and the holds fall off anyway. However, the hold can reduce available funds so that future pre-authorizations or ATM withdrawals may be declined.

Contact the Card Department at 435-865-2331 to inquire about duplicate items.

Where can I get Consumer Counseling?

Click here for a list of Approved Credit Counseling Agencies

Merchant Services Solutions
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