Can a branch issue my business debit card?
No. Our current system has a limited embossing area that cannot yet accommodate business names.
How do I activate my business debit card?
To activate your debit card, simply call (866) 602-8204. The company's tax ID number and business ZIP Code will be required. Please have the card on hand when you call.
Is my Desert Schools Visa® Debit Card a credit card?
Your debit card is not a credit card, but it carries the Visa logo, allowing you to use it wherever Visa is accepted. Transactions are deducted from your Desert Schools checking account and detailed in your monthly statement. There are no finance charges, monthly payments or annual fees. And Internet purchases are secured by Verified by Visa.
Are authorized signers on business accounts issued Visa debit cards?
Only principal owners are issued debit cards.
Why is there a difference between my current balance and my available balance?
Any time you use your debit card for a Visa credit transaction (without entering your PIN), the corresponding funds are placed on hold for that merchant for 24 hours or until the transaction clears your account, whichever comes first. Other holds (e.g., deposits, electronic transactions) may also cause a variance between actual and available balance.
Why does a debit transaction place a hold on available funds in my account?
When you use your debit card for a Visa credit transaction (without entering your PIN), the funds are placed on hold for that merchant for 24 hours or until the transaction clears your account, whichever comes first.
Are there any non-Desert Schools ATM locations where I can use my card and not get surcharged?
Yes. Desert Schools belongs to the CO-OP Network®. This allows our members and customers of other select financial institutions to use any ATM displaying the CO-OP logo without a surcharge. Access the link at the bottom of our Locations section for a list of ATM locations.
Why was I charged two fees for using my debit card at non-Desert Schools ATMs?
You may be assessed a $2 foreign transaction fee, to offset the fees Desert Schools is charged by our ATM network provider, after exceeding two debit transactions at another institution's ATM. You may also be assessed a surcharge by the financial institution that owns the machine. This is the fee noted on the screen, which you must accept in order to complete the transaction.
What is Verified by Visa, and how do I sign up?
Verified by Visa uses personal passwords to protect your Visa debit card against unauthorized use when shopping online. Here is how it works:
- Create your password by visiting Verified by Visa
- Your Desert Schools Visa Debit Card will be recognized automatically at participating online retailers, and you'll be asked for your password
- Your password will be verified
- Your transaction will be completed
Why should I ask to sign (press Credit) instead of using my PIN (press Debit) for transactions?
In both cases, there are no interest, no fees and the funds are drawn directly from your checking account. The difference exists in the processing. When you press Credit and sign for your purchase, Visa's Zero Liability policy applies, guaranteeing you maximum purchase protection.
Why is a hold put on my account for a hotel reservation?
When you use your Visa debit card to make reservations or purchases, you commit those funds to the hotel or retailer. Once we approve an authorization, the amount is held against your account until the merchant submits the transaction or one day passes, whichever comes first. Funds on hold are not available for withdrawal.
Why did someone call to verify my card transaction?
Calls are made by Visa Fraud Prevention Services, on behalf of Desert Schools, from 9 a.m. to 9 p.m. daily on transactions that appear suspicious as determined by the system. If contacted, we encourage you to confirm whether you initiated the transactions in question via their toll-free phone number: (877) 902-4805.