Visa Gold Debit Cards

How to Use Your Valet Visa® Card to Make ATM Deposits
If you are a Valet account holder with a Visa® debit card, you can deposit checks directly into your brokerage account at more than 16,000 participating Star and NYCE deposit ATMs nationwide. *

Although ATM screens vary from network to network, by following the general directions provided below along with the particular ATM’s specific instructions, you should be able to successfully process your deposit:

* Not all Star and NYCE ATMs accept deposits.

When Does My Deposit Appear in My Account?
If you make a deposit before 3:00 p.m. EST, it will show in your brokerage account the next business day as a “debit card credit transaction” with the ATM location. If a deposit is made after 3:00 p.m. EST, the funds will show in your account on the second business day.

When are the Funds Available for My Use?
When you make a deposit, a hold is placed against the funds for a period of seven business days in order to allow time for the funds to clear.

What is the Minimum Deposit Amount?
The minimum deposit amount is $1 or the ATM owner’s minimum (generally $5 - $10) whichever is higher.

How to Avoid ATM Fees:

1.		Stop Paying With Cash: Use your Valet Visa card at department stores, local retail shops, supermarkets, gas stations, post offices, movie theatres, amusement parks, etc. You'll get a receipt for your purchase and protect yourself from theft.
2.		Get Cash For Free: Many "Point of Sale" merchants (such as supermarkets and convenience stores) let you request cash back by adding an amount to your total merchandise purchase. The total of your cash plus merchandise receipt will appear on your Valet statement as a single transaction.
3.		Withdraw More Cash: If you must use ATMs, withdraw larger amounts of cash to reduce the number of trips you make and save on ATM fees.
4.		Pay With Checks: Most merchants readily accept personal checks and many now have the ability to debit your account automatically and return your check to you immediately, at the register. Checks are safer than cash, especially if you are travelling. Consider traveler's checks for trips abroad.