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Money Market Accounts: How Cards Work at an ATM and Point of Sale (POS)

How do they work?

Using a Money Market Account (MMA) card at the ATM:

MMA cards are issued to access funds on your MMA account through the ATM.

To access funds from MMA with a MMA card, you must select checking.
If you select savings the system pulls from the primary savings account.

Using an ATM card at the ATM to access funds in a MMA:

When using an ATM card and you select checking, the system will automatically pull funds from your standard checking account.
When using an ATM card and you select checking, but do not have a standard checking account, funds will withdraw from the MMA, because MMA is a checking account type.
When using an ATM card and you select savings, funds will be withdrawn from the primary savings account.

Using a Debit card at the ATM:

MMA accounts are independent from the your regular checking and savings accounts. Therefore, when a debit card is used at the ATM, if funds are not available in checking, the system will not pull from MMA.

When using a debit card and you select checking, the system will automatically pull funds from your standard checking account.
If you select savings the system pulls from the primary savings account.

Using Overdraft protection for a Money Market Account:

Upon request, MMA can be set up as protection for an eligible account. The MMA is not automatically set up as overdraft protection.
MMA is not an eligible account to be covered by Overdraft protection.

POS transactions using an ATM or Debit card

POS transactions made with a debit card do not allow withdrawals from savings. When a POS transaction is made using a debit card or ATM card, the system will first look for the standard checking account to withdraw from. If no funds are available in checking or you do not have a standard checking account, the system can pull from the MMA. This is because MMA is a checking account type.

Money Market Accounts: How Cards Work at an ATM and Point of Sale (POS)

How do they work?

POS transactions using an ATM or Debit card

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