Securities products are provided by Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as "MLPF&S", or "Merrill"), a registered broker-dealer, registered investment adviser, Member SIPC layer, and a wholly-owned subsidiary of Bank of America Corporation. You should review any planned financial transactions that may have tax or legal implications with your personal tax or legal advisor. (These are in US dollars so foreign amounts may vary.Investing in securities involves risks, and there is always the potential of losing money when you invest in securities. Typically there is a $500 daily ATM cash withdrawal limit and a $1500 daily debit card point-of-sale limit. The same daily limits that you have on your card in the United States will apply internationally.Additionally, for foreign debit card purchases you will likely be charged a fee from the merchants’ network. However, surcharges may be charged by other financial institutions if you use their machines. We will never charge you a fee for using your card.We strongly recommend that you are prepared with an alternative method of travel funds such as a credit card, travelers checks or cash in case your card does not work at certain establishments or in certain areas.You may also be able to get a cash advance at any bank displaying the Visa logo and you can use your debit card at any merchant displaying the Visa logo.(Visa utilizes a separate ATM Network that does not apply to Institution for Savings ATM cash withdrawals.) For more information visit the MasterCard website and choose the ATM locator option to see all ATMs in a particular area that meet this criteria. Your Institution for Savings ATM/Visa Debit Card will only work at ATMs displaying the Cirrus and Maestro logos.
It is critical that you notify us of any recent updates or changes to your contact information prior to traveling to ensure that you are notified in the event of any issues. could be declined as part of our comprehensive fraud monitoring system. In our ongoing efforts to mitigate security risks, transactions conducted outside the U.S.
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