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**Debit Card POS transaction cut-off time is 6:00 P.M. We take your account security very seriously and encourage you to contact us prior to traveling. We are sorry for any inconvenience this may cause. If you are planning on traveling to a foreign country that is restricted, we may be able to exclude your debit card from the restriction if you contact us, 41. Please inquire with a customer service representative for the complete list, which may change from time to time, prior to visiting any foreign country. *NOTE: Due to the need for increased security measures, Adams Community Bank has blocked or restricted the use of ATM/Debit cards in all foreign countries.

All transactions recorded on a monthly statement.

Access your money at thousands of SUM® ATMs across the country without a surcharge from a Non-Adams Community Bank (ACB) ATM.

Make deposits to your Adams Community Bank account at NYCE® ATMs that participate in the Shared Deposit Program.

Make cash withdrawals, transfer funds and make balance inquiries at any NYCE® or CIRRUS® terminal locations worldwide (ATM surcharges may apply).

Make cash withdrawals, transfer funds, and make balance inquiries at all Adams Community Bank ATM terminals

All transactions deducted directly from your Adams Community Bank checking account.

24-Hour access to available funds reduces the need for checks and cash.

Accepted at over 18 million MasterCard™ merchants worldwide.

It can also be used to withdraw cash from automatic teller machines (ATMs).***

Debit Cards are more convenient than writing a check and alleviate the possibility of accumulating major debts that may occur with the use of a credit card.

Debit Cards*† are accepted everywhere MasterCard is accepted.** They are linked directly to a checking account and when a purchase is made the transaction is automatically deducted from your account.

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