The SNB VISA® CheckCard is a debit card. Use it like a check to make purchases, or use it like an ATM card to get cash. If your card has the VISA® symbol on it, then it is a debit card. This is NOT a credit card. Purchases made with the CheckCard are automatically deducted from your primary checking account. Generally, the funds will be withdrawn from your account within one to three days of your purchase. You do not receive a bill and do not have the ability to pay over time. The funds MUST be in your account. Use your CheckCard wherever the VISA® debit card is accepted.