IRAs

No, ATM cards can only be used for ATM access to your Cares savings account. Your ATM card can’t be added to digital wallets because it can’t be used to make purchases online or in-store.

No. Once you’ve received and activated your Cares Mastercard® Debit Card, your Savings ATM Card will be closed. You should destroy your Savings ATM Card and conduct all ATM transactions using your Cares debit card to protect yourself from fraud.

Yes. We offer ATM cards for Savings Accounts holders only.

No, you can’t transfer money between savings and checking using your Cares Savings ATM card because it can access only the funds in your Cares savings account.

If you have a Cares checking account and want to transfer funds between your savings and checking accounts using an ATM, you can request an Cares MasterCard® debit card to replace your Savings ATM card. A Cares MasterCard® debit card will allow you to make transactions via ATM for both your savings and checking accounts.

Yes. These payments (which you might know as “ACH” or “EFT” transactions) follow Regulation D limitations. Any withdrawals attempted beyond your monthly limit will not be honored, and you will receive a notice by mail and incur a nonsufficient funds charge. To avoid this situation, make automatic payments using a checking account. Contact the merchant to arrange this change and be aware that your request could take more than a month to go into effect. Alternatively, consider using Bill Payment in Online Banking to automatically send payments to the merchant, rather than authorizing the merchant to automatically withdraw payments.