Check Card

The Most Convenient, Safest & Fastest Way
to Access Your Money

Check cards are a widely accepted alternative payment method. Check cards offer a number of debit services, and they provide consumers, as well as merchants, added transaction convenience and security. Baylake Bank offers a check card that is accepted at over 11 million locations where the VISA emblem is displayed.

 

Convenience  


Whether you are running errands around town or traveling around the world, your Baylake Bank check card links you to your accounts at home. It saves you time because there is no need to write out checks. Itís safe to use, because with a check card there is no need to carry extra cash. Transactions are deducted from your checking account and appear on your next monthly statement. You simply need to have enough money in your checking account to cover the purchase.
 

ATM Access


Your Baylake Bank check card is also your ATM card for cash and other banking services. All existing rules and services provided to you by your ATM card are offered through your check card. You have 24-hour access to your checking or savings account simply by inserting your check card into the ATM, and entering your PIN (personal identification number).
 

Frequently Asked Questions About Check Cards


(1) How does a check card differ from a credit card?  

Check cards are a convenient non-cash, non-check way to pay for everyday purchases with money you have in your checking account. Unlike a credit card, you do not need to establish a line of credit, nor is there a finance charge or service fee with your Baylake Bank check card. However, for some purchases you may prefer to delay billing or spread out payments over time. That is when you may elect to use a credit card.

(2) What is the cost of a check card?

A Baylake Bank check card is available without cost and there is no activity fee. So, not only will you be saving time at check out, you will be saving money on the cost of purchasing checks. Thatís right...the more you use your Baylake Bank check card, the more it ďpaysĒ you!  

(3) How do I get a check card?

Almost any U.S. citizen age 18 or over with a personal checking account at Baylake Bank can be issued a check card. A business check card is also available. Contact a Personal Banker for more information or request a check card now.

(4) Are there daily withdrawal limits on my check card?

Yes, withdrawal limits have been established for your protection.

The daily preapproved purchase limit on a Baylake Bank Check Card is $1,000 (signature based)* and if approved by the bank (online) per day, not to exceed the available balance.

If you use it at an Automated Teller Machine (ATM) or use your Personal Identification Number (PIN) at a merchant, the limit is $600*.

*If in the rare instance that a bank network connection becomes temporarily unavailable, daily limits are automatically lowered for your protection to: $500 for the check card (signature based) and $300 for ATM or PIN purchase daily maximum.

(5) Do I need a separate ATM card for use at ATMís?

Although you may elect to keep your existing ATM card, with a Baylake Bank check card there is no need to have both. The ATM features of your check card act exactly like your present ATM card.

(6) Can I use my Check Card while traveling?

Your check card may be used wherever VISA is accepted, however to ensure your card will be accepted it is important to indicate if you will be traveling out of the state or out of the country. Please call Processing at 1-800-267-3610 to add a travel notice to your card to alert our fraud monitoring systems for uninterrupted service.  
 

OVERDRAFT SERVICES


Federal rules require you Opt-In if you would like Baylake Bank to authorize and pay overdrafts on your everyday debit card transactions. Learn more about this overdraft service.

 

APPLY TODAY


 If you don't have a Check Card, apply for one today

Check cards are a widely accepted alternative payment method. Check cards offer a number of debit services, and they provide consumers, as well as merchants, added transaction convenience and security. Baylake Bank offers a check card that is accepted at over 11 million locations where the VISA emblem is displayed.
 

 

Member FDICBaylake Bank | 217 N 4th Avenue,  Sturgeon Bay, WI 54235
 (920) 743-5551 or (800) 267-3610
Copyright © 2014 Baylake Bank. All rights reserved.


Lost or Stolen Check Card

Immediately call Baylake Bank during regular business hours at 1-800-267-3610

Call any time
1-800-472-3272
 


TipTraveling?
Call Processing at
1-800-267-3610 to add a travel notice to your check card if you will be traveling out of the state or out of the country for uninterrupted service.

 


Request a Check Card
image of check card

Why Use a Check Card?

  • Lets you use money from your checking account without writing a check.

  • Faster and easier than writing checks.

  • Accepted where checks are not.

  • Safer than carrying cash.

  • No worry of not carrying enough cash to cover the purchase.

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