Q: Can I use my ATM card overseas?

A: Yes, your Whitney ATM card can be used at most ATMs overseas. Just look for the Pulse®, STAR® or Cirrus® network logos. Remember, your Whitney VISA® Check Card can also be used at all merchants who accept Visa.

Q: If I use my ATM card, is the conversion rate comparable to the rate I would be charged in the U.S. or at a bank?

A: Yes, the conversion rates are usually very comparable.

Q: Should I take any cash with me when traveling overseas?

A: Yes, take just enough to get by when you first arrive for cabs, etc. About $100 equivalent and the rest in Travelers Cheques.

Q: Can Whitney wire funds anywhere around the globe and if so, how fast does it get to the destination?

A: The Whitney can wire money to any part of the world that is allowable by law. The time to get to an account varies from country to country from one day to five days depending on the receiving country.

Q: Can I get a check issued in a foreign currency?

A: Yes, the Whitney can issue a foreign draft [check] in over 100 currencies.

Q: Can I return unused foreign currency to the Whitney?

A: The Whitney will accept paper foreign currency, but not foreign coins.

Q: Can I use my personal Whitney checks to make overseas payments?

A: Yes, provided the foreign recipient agrees. However, it is not advisable since their bank would have to collect the item often creating additional expense and delay. The Whitney issues checks in U.S. dollars or foreign currencies drawn payable overseas that can be used to pay your foreign obligations. Also, remember that your Whitney VISA® Credit Card or Check Card can be used all over the world where Visa is accepted.

Q: Is there any Euro currency in circulation yet?

A: No, there will be no Euro currency in circulation until January 2002, but the Whitney can issue a draft or send a wire in Euro currency if necessary.