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Features:

• DCI offers ATM equipment sales, installation and support
• 24-hour online service provided through our cooperative system — the InstaKEY Network
• One connection provides a single source for account entry, card maintenance, card/PIN ordering, monitoring, transaction reporting and customized service options
• Access to regional and national network affiliations
• Fast, efficient transaction processing
• Multiple cardholders and up to four accounts per card
• Terminal network duality, surcharging, on-screen marketing, coupons and instant-issue cards available
• Option of customer-selected PINS
• Fully customized cards available or select from five generic card designs
• Flexible ATM and POS daily limits
• Immediate capture of lost and stolen cards through system flags
• Automatic re-issue during first weekend of expiration month
• ATM operating status and currency is monitored and displayed on-line at your institution
• Customized display screens developed for your market with bilingual capabilities

Reports Include:

• Account control information
• Account maintenance
• New accounts
• Daily transaction journal
• Daily processing exception
• Cardholder activity
• Terminal activity
• Terminal status listing
• Card/PIN issue tape report
• Cards scheduled for renewal/deletion
• Month-to-date/Year-to-date statistics
• Cardholders last usage date
• Card account snapshots

Special Reports:

• Name and address labels
• Valid account numbers
• Account numbers in use
• Unused account numbers
• Inactive cards
• Customer card account prospects
• Multiple card account customers
• Cardholders last usage date
• Card account snapshots

DCI's InstaKEY^® Network

Features/Highlights:

Whether you only issue cards or issue cards and operate one or more ATMs, DCI is your single source solution for Card and ATM services.

DCI's comprehensive software and networking links enhance processing of ATM and POS transactions. Our cooperative system  the InstaKEY^® Network  provides 24-hour on-line service to nearly 300,000 card holders and 250 ATMs. In 1996, the InstaKEY^® network generated more than eight million transactions, from 144 institutions.

With DCI, one connection provides a single source for account entry, maintenance, card / PIN ordering, monitoring, transaction reporting and customized service options. In addition, ATM owners have access to many options, such as regional and national network affiliations and fast, efficient transaction processing.

Debit Cards

Features/Highlights:

Sometimes referred to as an electronic checking card or enhanced ATM card, Visa Check and MasterMoney cards are now available through DCI.

Visa Check and MasterMoney cards allow our cardholders to access designated transaction accounts for purchases wherever MasterCard or Visa is accepted, without writing a check.

Customer Benefits

• Worldwide checkless checking
• Alternate form of payment
• Chargeback protection
• 24-hour ATM and POS access
• 250,000 ATMs worldwide
• 12 million merchants

• Overdraft protection available

Financial Institution Benefits

• Interchange income
• Online authorizations
• Customer or generic card design
• Risk management reporting
• Authorization and posting transaction matching

Frequently Asked Questions:

1. Are these credit cards? They're like a credit card, but transactions are deducted directly from a checking account. Visa Check or MasterMoney cards can be used in many ways: (a) to purchase goods and services (b) for checking account cash advances or (c) as an ATM card
2. What are the advantages? They eliminate the inconvenience of checks, allowing card holders to carry less cash and stop less often for money. Plus, they earn interchange income for your institution.
3. After a purchase, how soon will the money be deducted from an account? The transaction takes about the same amount of time as a check to clear. However, it is immediately memo-posted to the card holder's account  making those funds unavailable.
4. Is a PIN needed to use the card in a store or restaurant? No, the transaction will be handled just like a credit card purchase. All your card holder needs to do is sign a sales receipt.
5. Where can Visa Check or MasterMoney be used? The cards can be used anywhere Visa or MasterCard is accepted, worldwide. They can even be used for phone or mail orders, and still work in ATMs!
6. How is the transaction handled at the cash register? Card holders simply tell the merchant they are paying by Visa or MasterCard. The merchant will handle the transaction like a credit card purchase.
7. Most people don't mind writing checks, why do they need this card? The Visa Check or MasterMoney card comes in handy when customers are out-of-town and checks aren't accepted or at a local merchant account that doesn't accept checks. It's fast, convenient and easy!
8. Is there an interest charge for Visa Check or MasterMoney cards? Since transaction amounts are deducted from the primary checking account, there is no interest charge.
9. This sounds like a great product. How do I find out more? For a cost analysis and additional information on how your institution can offer the Visa Check or MasterMoney card, contact your DCI account manager, Customer Support at (620)694-6868.