The VISA® Check Card looks like a credit card, but acts like a check. It gives you the convenience of having purchases deducted from your checking account along with the safety of not having to carry large amounts of cash. Record keeping is simple; just deduct purchases as you would a check in your check register. It allows the flexibility of using it where checks are not accepted and gives you the ability to get cash back when you make purchases at many retailers. You can also get cash from thousands of ATM's worldwide. There is no annual fee and no interest charged when using this card.