It works just like a check, except there's no check to write. Simply present your Visa Check Card as you would a credit card. The amount of your purchase is automatically deducted from your credit union checking account. You can also withdraw cash and verify account balances at ATMs worldwide that display either the Visa or Plus logo. Plus, anywhere you see the STAR logo you can manage your savings and checking accounts. There is no interest to pay and no ID hassles or check acceptance problems locally or when you are out of town. And, you can use your card as many times at Point-of-Sale (POS) merchants without a fee. You can also use your Visa Check Card to get cash back from point of sale purchases and avoid ATM surcharges.