The Bank of Fukuoka Card Loan is a convenient service that allows you to easily borrow and repay from affiliated convenience store ATMs nationwide. Its most significant feature is the existence of two repayment types: “Account Debit Type” and “Direct Deposit Type.” The “Direct Deposit Type” offers a major advantage to users, as repayment fees at affiliated convenience store ATMs are waived. On the other hand, it is crucial to understand the system accurately in advance, as the purpose of ATM use and the fees differ depending on your repayment type. This article provides a detailed explanation of how to use the Bank of Fukuoka Card Loan at convenience store ATMs, covering fees, operating hours, and procedures for major convenience stores (7-Eleven, Lawson, Family Mart, and Ministop). It also comprehensively explains the differences between the two repayment types, important notes, and what to do if you are unable to use the service.
- A Comprehensive Guide to Convenience Store ATMs for Bank of Fukuoka Card Loan Borrowing and Repayment
- [By Convenience Store] Bank of Fukuoka Card Loan Borrowing & Repayment Details: Fees, Hours, and Operating Procedures
- Guide to Bank of Fukuoka Card Loan Repayment: The Two Repayment Types and the Role of Convenience Store ATMs
- Important Information and Precautions for Using the Bank of Fukuoka Card Loan at Convenience Store ATMs
- How to Check Your Credit Limit and Apply for an Increase
- Per-Transaction and Daily ATM Limits
- Borrowing Interest Rate (Annual Percentage Rate) and How to Calculate Interest
- How to Inquire/Reset Your PIN If You Forget It
- Possible Reasons and Solutions If You Cannot Use Your Card at an ATM
- Keeping and Checking Your ATM Transaction Receipts
- Q&A on Bank of Fukuoka Card Loan Borrowing and Repayment at Convenience Store ATMs
- Q1. Where can I check my repayment type (Account Debit Type / Direct Deposit Type)?
- Q2. When and how do I pay the convenience store ATM usage fee?
- Q3. For the “Direct Deposit Type,” if I make a voluntary repayment, is the monthly scheduled repayment still required?
- Q4. Why can’t I use it at Ministop (AEON Bank ATM)?
- Q5. Are the fees and operating hours the same during the New Year’s holidays and public holidays?
- Q6. Where can I check my borrowing and repayment history?
- Q7. Can I use a convenience store ATM without a card (e.g., with a smartphone app)?
- Q8. Can I cancel a transaction in the middle of an ATM operation?
A Comprehensive Guide to Convenience Store ATMs for Bank of Fukuoka Card Loan Borrowing and Repayment
The Bank of Fukuoka Card Loan allows you to use borrowing and repayment services at major convenience store ATMs near you using the dedicated loan card issued after your contract is finalized. First, let’s clarify which convenience store ATMs are compatible and which are not.
Overview of Partner ATMs at Major Convenience Store Chains (7-Eleven, Lawson, Family Mart, Ministop)
The Bank of Fukuoka Card Loan is partnered with ATMs located in the following convenience stores, allowing for borrowing and repayment.
- 7-Eleven: Seven Bank ATM
- Lawson: Lawson Bank ATM
- Family Mart: E-net ATM (*excluding some stores)
Bank of Fukuoka Card Loan Compatibility at Seven Bank, Lawson Bank, and E-net ATMs
ATMs at 7-Eleven, Lawson, and Family Mart (stores with E-net) are partnered with the Bank of Fukuoka Card Loan. To use them, you will need your dedicated loan card and your 4-digit PIN.
Regarding Incompatibility with AEON Bank ATMs (Ministop ATMs)
As a key point, AEON Bank ATMs located in Ministop are not partnered with the Bank of Fukuoka Card Loan. Therefore, you cannot use the Bank of Fukuoka Card Loan for borrowing or repayment at Ministop ATMs at all.
Available Transactions at Each Partner ATM
The following transactions are generally available at all partner convenience store ATMs.
- Borrowing: You can withdraw cash within your credit limit.
- Repayment: You can make scheduled monthly repayments (for Direct Deposit Type) or voluntary repayments.
[By Convenience Store] Bank of Fukuoka Card Loan Borrowing & Repayment Details: Fees, Hours, and Operating Procedures
From here, we will detail the fees, available hours, and basic operating procedures for using the Bank of Fukuoka Card Loan at each convenience store ATM.
*Information is current as of July 2025. Please check the official websites of the Bank of Fukuoka or each ATM operator for the latest information.
Using Bank of Fukuoka Card Loan at 7-Eleven (Seven Bank ATM)
Main Available Transactions
- Borrowing (Withdrawal)
- Repayment (Deposit)
ATM Fees for Borrowing and Repayment
・Borrowing: A prescribed fee may be required depending on the time of day, etc.
・Repayment: A prescribed fee may be required for those with the “Account Debit Type.” For those with the “Direct Deposit Type,” it is free of charge.
Source: Bank of Fukuoka Card Loan <FFG Card Loan> | Bank of Fukuoka
ATM Availability and Maintenance Information
In principle, it is available 24/7, 365 days a year, but the service is unavailable during the Bank of Fukuoka’s system maintenance times.
ATM Borrowing Procedures
- Select the “Withdrawals, Deposits, Credit Transactions, etc.” button.
- Insert your Bank of Fukuoka loan card into the ATM.
- Select the “Withdrawal (Borrowing)” button.
- Enter your 4-digit PIN.
- Enter the desired borrowing amount.
- Confirm the details and receive your cash, card, and transaction receipt.
ATM Repayment Procedures
- Select the “Withdrawals, Deposits, Credit Transactions, etc.” button.
- Insert your Bank of Fukuoka loan card into the ATM.
- Select the “Deposit (Repayment)” button.
- Enter your 4-digit PIN.
- Insert bills for the amount you wish to repay. (Coins are not accepted)
- Confirm the details and receive your card and transaction receipt.
Using Bank of Fukuoka Card Loan at Lawson (Lawson Bank ATM)
Main Available Transactions
- Borrowing (Withdrawal)
- Repayment (Deposit)
ATM Fees for Borrowing and Repayment
・Borrowing: A prescribed fee may be required depending on the time of day, etc.
・Repayment: A prescribed fee may be required for those with the “Account Debit Type.” For those with the “Direct Deposit Type,” it is free of charge.
Source: Bank of Fukuoka Card Loan <FFG Card Loan> | Bank of Fukuoka
ATM Availability and Maintenance Information
Lawson Bank ATMs are also operational nearly 24 hours a day, but the service is unavailable during the Bank of Fukuoka’s maintenance times.
ATM Borrowing Procedures
The basic operating procedure is the same as for Seven Bank ATMs. Follow the on-screen instructions, starting with “Withdrawal.”
ATM Repayment Procedures
Start the transaction from “Deposit.” Follow the on-screen instructions to insert your card and deposit the repayment amount.
Using Bank of Fukuoka Card Loan at Family Mart (E-net ATM)
Main Available Transactions
- Borrowing (Withdrawal)
- Repayment (Deposit)
ATM Fees for Borrowing and Repayment
・Borrowing: A prescribed fee may be required depending on the time of day, etc.
・Repayment: A prescribed fee may be required for those with the “Account Debit Type.” For those with the “Direct Deposit Type,” it is free of charge.
Source: Bank of Fukuoka Card Loan <FFG Card Loan> | Bank of Fukuoka
ATM Availability and Maintenance Information
E-net ATMs are also available almost 24 hours a day, but the service is also unavailable during the Bank of Fukuoka’s maintenance hours.
ATM Borrowing Procedures
The operating procedure is largely the same as for other convenience store ATMs. Follow the on-screen instructions to complete the transaction.
ATM Repayment Procedures
Start the process from the “Deposit” menu on the screen and follow the instructions to make your deposit.
Guide to Bank of Fukuoka Card Loan Repayment: The Two Repayment Types and the Role of Convenience Store ATMs
[Important] The Difference Between “Account Debit Type” and “Direct Deposit Type”
The Bank of Fukuoka Card Loan has two repayment types, “Account Debit Type” and “Direct Deposit Type,” and the repayment method and convenience store ATM fees differ depending on which type you have. It is crucial to check your contract documents beforehand to confirm which type you have.
Repayment Method for “Account Debit Type”
Standard Repayment: Monthly Automatic Debit (Scheduled Repayment)
The “Account Debit Type” is where the scheduled repayment amount is automatically debited from your repayment deposit account on the monthly repayment date (specified from the 1st to the 26th).
How to Make Voluntary Repayments (Prepayments) at a Convenience Store ATM and Important Notes
When a person with this type makes a repayment at a convenience store ATM, the deposit is treated as a “voluntary repayment (prepayment).” You can pay down the principal ahead of schedule, but the monthly automatic debit will still be carried out as usual. Additionally, a prescribed fee may be required when using the ATM, depending on the time of day.
Repayment Method for “Direct Deposit Type”
Scheduled Repayment at a Convenience Store ATM (by the 14th of each month)
The “Direct Deposit Type” is where you deposit the scheduled repayment amount yourself by the 14th of each month using an ATM or bank transfer. You can make this scheduled repayment from a convenience store ATM.
The Relationship Between Voluntary and Scheduled Repayments at a Convenience Store ATM
When a person with this type makes a repayment at an ATM, a deposit made by the 14th of the month is treated as a “scheduled repayment.” If you deposit an amount greater than the scheduled repayment amount, the excess is treated as a “voluntary repayment.” However, even if you make a voluntary repayment, you will still need to make the scheduled repayment for the following month and onwards.
Regarding Convenience Store ATM Repayment Fees (Free for Direct Deposit Type)
A major advantage of the “Direct Deposit Type” is that repayment (deposit) fees at Seven Bank ATMs, Lawson Bank ATMs, and E-net ATMs are free of charge. You can make both scheduled and voluntary repayments from convenience store ATMs without worrying about fees.
How to Check Your Scheduled Repayment Date and Amount
You can check your monthly repayment date and amount in your contract documents or on the members-only web service.
Source: Bank of Fukuoka Card Loan
Important Information and Precautions for Using the Bank of Fukuoka Card Loan at Convenience Store ATMs
How to Check Your Credit Limit and Apply for an Increase
You can check your credit limit, which is the maximum amount you can borrow, on the members-only web service or on an ATM transaction receipt. If you wish to increase your limit, you can apply online or by phone. After you apply, a prescribed screening process will be conducted.
Per-Transaction and Daily ATM Limits
In addition to your own credit limit, each ATM has its own per-transaction limit. For example, there may be a restriction, such as being able to withdraw only up to ¥500,000 at a time. If you wish to make a larger transaction, you will need to do so in multiple steps.
Borrowing Interest Rate (Annual Percentage Rate) and How to Calculate Interest
The interest rate for the Bank of Fukuoka Card Loan is set within a range of 1.9% to 14.5% APR, depending on your contract. Interest is calculated on a daily basis using the following formula:
Interest = Outstanding Balance × Annual Percentage Rate ÷ 365 days × Number of Days Used
How to Inquire/Reset Your PIN If You Forget It
A 4-digit PIN is required for ATM use. If you forget it, you will need to complete the reset procedure at a Bank of Fukuoka branch. For security reasons, you cannot be told your PIN directly over the phone.
Possible Reasons and Solutions If You Cannot Use Your Card at an ATM
If you are unable to use your card at an ATM, the following reasons are possible:
・You have exceeded your credit limit.
・Your card is locked due to entering the wrong PIN multiple times.
・The card’s magnetic stripe is faulty or the IC chip is damaged.
・It is during system maintenance hours for the ATM or the Bank of Fukuoka.
・Your payments are overdue.
If the issue is not resolved, please contact the Bank of Fukuoka Loan Call Center.
Source: Consultations & Inquiries | Bank of Fukuoka
Keeping and Checking Your ATM Transaction Receipts
When you use an ATM, a transaction receipt is issued. This contains important records of the transaction, such as the date and time, transaction amount, and post-transaction balance. It is recommended that you check the details for accuracy and keep the receipt for a certain period.
Q&A on Bank of Fukuoka Card Loan Borrowing and Repayment at Convenience Store ATMs
Q1. Where can I check my repayment type (Account Debit Type / Direct Deposit Type)?
A1. Your repayment type is stated in the contract documents you receive when you sign up. If you are unsure, you can confirm it by contacting the Bank of Fukuoka Loan Call Center.
Q2. When and how do I pay the convenience store ATM usage fee?
A2. If a fee is incurred, it is added to your outstanding balance for borrowing and deducted from your deposit amount for repayment. For those with the “Direct Deposit Type,” the fee for repaying (depositing) at a partner convenience store ATM is free.
Q3. For the “Direct Deposit Type,” if I make a voluntary repayment, is the monthly scheduled repayment still required?
A3. Yes, it is required. A voluntary repayment is considered a separate, optional payment from the scheduled repayment, so you still need to deposit the scheduled repayment amount separately by the 14th of each month.
Q4. Why can’t I use it at Ministop (AEON Bank ATM)?
A4. This is because the Bank of Fukuoka does not have a card loan usage partnership with AEON Bank. The use of the Bank of Fukuoka Card Loan is limited to Bank of Fukuoka ATMs and its partner ATMs, such as Seven Bank, Lawson Bank, and E-net ATMs.
Q5. Are the fees and operating hours the same during the New Year’s holidays and public holidays?
A5. The handling of fees depends on your repayment type but is uniform regardless of the day of the week or public holidays. Repayments for the “Direct Deposit Type” are free, while other transactions may incur a prescribed fee. Operating hours also generally follow the calendar, but there may be times when the service is unavailable due to temporary system maintenance. It is recommended to check the official website for announcements before use.
Q6. Where can I check my borrowing and repayment history?
A6. You can check your borrowing and repayment history by logging into the Bank of Fukuoka’s members-only web service. You can also check your most recent transactions on the receipt issued when you use an ATM.
Q7. Can I use a convenience store ATM without a card (e.g., with a smartphone app)?
A7. No, you cannot. As of July 2025, the Bank of Fukuoka Card Loan does not support ATM transactions using a smartphone app (Cardless ATM). You must have your physical dedicated loan card to make transactions at a convenience store ATM.
Q8. Can I cancel a transaction in the middle of an ATM operation?
A8. Yes, you can. Before you confirm the amount and before the cash or receipt is dispensed, you can cancel the transaction by pressing the “Cancel” (とりけし) button on the ATM screen. If you are unsure how to proceed, just calmly press the cancel button.
Last Updated: August 10, 2025