Debit Cards

Learn more about your debit card and what it all has to offer.

Instant Issue Debit Cards

Customers can visit the bank to request a replacement debit card for their account if:

  • Fraud is detected on the original card
  • Card is lost
  • Card is stolen
  • Card not working properly (chipped, cracked, etc.)

New account holders who are not existing customers can obtain a debit card upon opening an account, provided they present a valid ID.

Limit on Debit Cards

  • $1,000 cash a day (running the card as debit)
  • $5,000 a day for Point-of-sale (i.e. running the card as credit)

Debit Card Alerts

What is it?

This service will alert our clients immediately by text if our system detects any suspicious activity on your debit card. All you’ll have to do is respond to the text message to confirm if the transaction is fraud or not. If you reply “No” then you will receive another message asking you to call a number to follow up. Replying YES to a debit card alert doesn’t mean the transaction will be processed unless the merchant runs the transaction again

If you do not respond to the text message within 15 minutes, you will receive a telephone call asking you if this transaction was yours. VISA will ask you to verify some personal information before proceeding to discuss the transaction. If you do not answer this call, they will leave an automated message asking you to call them back, referencing a case number. If both the text and call go unanswered, your debit card will be restricted and you will have to call the bank directly.

Do I have to enroll?

All clients with debit cards are automatically enrolled. If we have your mobile phone number on file, you don’t have to do anything. If you want to verify or change your mobile number, please call us at (815) 942-0130.

Planning a vacation?

You can avoid having your debit card purchases blocked by our fraud protection while you travel by setting travel updates through your mobile app. This way, we will be aware of your location and can ensure that your transactions are approved. If you are traveling out of the country, please notify us at (815) 942-0130.

Important Phone Numbers

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