Visa Disclosure


This disclosure contains information about terms, fees, and interest rates for some of the accounts we offer.


This Agreement and Disclosure is made in compliance with federal law regulating electronic funds transfer (EFT) services. Electronic funds transfers are electronically initiated transfers of money involving an account at the Financial Institution. The following disclosures set forth your and our rights and responsibilities concerning the electronic funds transfers. In this Agreement, the words “you” and “your” mean those who sign as applicants or any authorized user(s). The words “we”, “us” and “our” mean the Financial Institution. The abbreviation “PIN” or word “code” means a personal identification number.



Convenience. This word says it all. Use this card in place of a check anywhere that accepts VISA® cards or at ATMs. The transaction amount will be deducted automatically from your checking account while at the same time protecting your personal information that is normally printed on checks.

For LOST or STOLEN Cards, call 1.800.523.4175

Types of Transactions / Transfers: You may use the card and PIN issued to you to pay for purchases from merchants who have agreed to accept the card at Point of Sale (POS) terminals within the networks identified on your card and such other terminals as the Bank may designate from time to time. Point of Sale (POS) transactions will be deducted from your Primary Account. Point of Sale (POS) transactions involving a refund will be credited to your Primary Account. You may also use the card to pay for purchases from merchants that accept the POS debit card with a VISA® symbol. You may use the automated teller machine (ATM) card and personal identification number (PIN) issued to you to initiate transactions at ATMs within the networks identified on your card and such other facilities as we may designate from time to time. Unless you specify a different account during Automated Teller Machine (ATM) transactions, your Primary Account will be used for your transactions. Your Primary Account number and information may be obtained from the Combined ATM/POS/Debit Card Request Form. At present you may use your card to: (please note: some of these services may not be available at all ATMs):

*Withdraw cash from your checking account.

*Withdraw cash from your savings account.

*Obtain balance information on your deposit accounts.

*A separate VISA® Check Card may be issued per checking account. If desired, your savings account can be added for use at ATM machines.

Limitations on Frequency and Amount:
*For security purposes, there are limits on the frequency and amount of transfers you may make using ATMs and the Point of Sale service.

*A lower ATM cash withdrawal or store purchase limit may be assigned at our discretion and you may use up to that limit (if there are sufficient funds in your account) each day.

Fees and Charges:
*ATM surcharges may still be assessed on “Golden Years”, “Classic Checking”, “Classic Gold”, and “Denali Premier” accounts when prompted by the terminal.

*We do not charge for  POS transactions.

ATM Fees. When you use an ATM not owned by us, you may be charged a fee by the ATM operator (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).

The following limitations may be applicable to your accounts, except as provided by law:
Liability for Unauthorized VISA® Point of Sale Debit Card Transactions. Tell us, AT ONCE, if you believe your VISA® point of sale debit card has been lost or stolen or of any unauthorized transactions. Your liability for unauthorized VISA® point of sale debit card transactions that take place on the VISA® system is Zero dollars ($0.00). We may require you to provide a written statement regarding claims of unauthorized VISA® point of sale debit card transactions.

These provisions limiting your liability do not apply to VISA® commercial cards or VISA® Plus ATM transactions; and apply only to cards issued in the United States. With respect to unauthorized transactions, these limits may be exceeded to the extent allowed under applicable law (see Liability for Unauthorized Transfers paragraph below) only if we determine that you were grossly negligent or fraudulent in the handling of your account or point of sale debit card. The same consumer liability limits shall apply to Interlink Transactions. To notify us of lost or stolen cards, or of unauthorized transactions, call us at 1.888.458.4291 or write to 119 N. Cushman St. Fairbanks, Alaska 99701. This will help prevent unauthorized access to your account and minimize any inconvenience.
VISA® is a registered trademark of VISA® International.