ATM & Visa® Debit Cards
Enterprise Bank wants your banking to be convenient as possible, so we have VISA Debit Cards and ATM (Automated Teller Machine) cards available for most checking accounts.
With Enterprise Bank no fees are assessed for using your ATM or Visa Debit Card for any ATM withdrawal. Other financial institutions may charge an ATM usage fee, one of the many benefits of banking with Enterprise Bank is we pay those fees for you. When using your ATM or Visa debit card for an ATM withdrawal, you may be prompted to accept the charge for the transaction, merely answer yes and Enterprise Bank will pay the charge for you.
Visa Debit Cards
A VISA Debit Card allows you to use your Enterprise Bank account at any point-of-sale location that accepts VISA Instead of being a credit card, however, the money is taken directly from your Enterprise Bank account. Similar to if you had written a standard check. The benefit is that it is accepted wherever VISA is accepted and is easier for you. Also, you are able to withdraw cash from an ATM at your convenience from banks all over the world.
ATM Cards
The ATM card allows you to withdrawal cash at your convenience from banks all over the world. Enterprise Bank participates in the STAR network and in the CIRRUS network, giving your card the power to withdrawal funds globally. Enterprise Bank currently provides ATM cards for checking and savings accounts at no charge. No charge means that we will not charge a fee per transaction and there is no annual fee for the card.
Use of our Enterprise Bank machine located at our branch located at 185 East Indiantown Road, Jupiter, Florida.
Lost or Stolen Cards
If your card has been lost or stolen please call our Hot Card hotline at (866)546-8273 immediately. This number is available to you 24 hours a day. During business hours you may also contact your customer service representative by calling (561)624-4400 or (800)411-5387.
Contact the bank immediately if your VISA Debit Card/ATM Card or PIN is lost or stolen. An immediate phone call is the best way to reduce any possible losses. Unless you have been grossly negligent or engaged in fraud, VISA offers a Zero Liability policy if you report the loss or theft of your card within two (2) business days. This means 100% protection for you, guaranteeing you the maximum protection against fraud, provided, however, you report the loss or theft of your card within two (2) business days of the date such a loss or theft, and provided, further, you have not been grossly negligent or engaged in fraud. If you do not notify the Bank within two (2) business days from the date of the theft or the loss of your card, your liability for ATM transactions is limited to not more than $50.00. If you do not notify the Bank within two (2) business days from the date of the theft or loss, your liability for point-of-sale or signature transactions will not exceed $500.00. If you do not notify the Bank in writing within sixty (60) days following the date of the statement is mailed to you, or in the event that you are either grossly negligent or engaged in fraud, your liability is unlimited.
Error Resolution
In case of errors or questions about your electronic transfers (ATM & Debit Cards), call (561) 624-4400 or write us at Enterprise Bank 11811 U.S. Highway One, North Palm Beach, FL 33408, as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent the first statement on which the problem or error appeared.
- (1) Tell us your name and account number (if any)
(2) Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
(3) Tell us the dollar amount of the suspected error.
Our Business Days are Monday through Friday - Holidays not included.
If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days. We will determine whether an error occurred within 10 business days (20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account, a point-of-sale transaction, or a foreign-imitated transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (20 business days if the transfer involved a new account) for the amount you think is in error so that you will have the use of money during the time it takes us to complete our investigation. If we ask you to put your complaint in writing and we do not receive it within ten (10) business days, we may not credit your account. An account is considered a new account for 30 days after the first deposit is made, if you are a new customer. We will tell you the results within 3 business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documentation that we used in our investigation.
For a complete Disclosure and Agreement statement regarding the use of a Debit Cards and ATM cards, please contact us at (561)624-4400 or (800)411-5387.
