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EMV Debit & ATM Cards

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ATTENTION DEBIT CARD CUSTOMERS!

If you are traveling to California, Connecticut, New Jersey, New York or if you are traveling internationally, transactions using your debit card must be PIN based. Signature based transactions will be denied in order to prevent debit card fraud. Please call your local branch for more information.


A New, More Secure Debit Card from Exchange Bank and MasterCard®

How is an EMV debit card more secure?

Debit cards with magnetic strips contain unchanging data, meaning if someone accesses data, they can easily make purchases with the card and cardholder information.

EMV cards have data that is always changing. Whenever you use an EMV card to make a purchase, the chip within the card creates a unique transaction code that cannot be used again. This means that if a hacker stole the transaction code from a transaction, they wouldn’t be able to make any additional purchases with your card. This is what makes the Exchange Bank of Northeast Missouri debit card so secure.

Please note: Exchange Bank’s EMV debit cards do not have contactless capabilities (waving the card in front of a machine to complete the transaction). Card dipping will be the only way to complete a transaction with you new debit card.

Fast Access to Your Money with a Debit or ATM Card

There are times when you’re not going to have enough cash on hand. For those times, you’ll be glad to have a debit card or ATM card from Exchange Bank of Northeast Missouri, which offer convenient, fast access to your money.

Using Your Exchange Bank Debit or ATM Card

With debit and ATM cards, Exchange Bank of Northeast Missouri offers account holders different options. These cards can be used to get quick cash, make deposits, view your balance or move money between your Exchange Bank checking and savings accounts.

Your debit card can also be used to make purchases. Some locations also allow you to get cash back on your purchases if you use your PIN. You can use your debit or ATM card fee free at any MoneyPass ATM.

If you plan on using your card while traveling, we recommend calling the bank before you leave in order to prevent security issues that may arise when using your card.

Dealing with a Stolen Debit/ATM card

If you’ve lost your card or believe it has been stolen, call (660) 727-3344 between 8:00 a.m.- 5:00 p.m., Monday through Friday and Saturday 9:00 a.m – Noon. If it’s after normal business hours, call (800) 264-5578.

Debit/ATM Card Disputes

You can report an unauthorized or incorrect debit card transaction or ATM transaction by calling the Dispute Processing Center at 1-800-264-5578 if you need assistance before or after business hours. The faster you call, the sooner we can close your card and issue you a new card.

Start Using a Debit/ATM Card with Exchange Bank Today

To gain quick access to your Exchange Bank of Northeast Missouri accounts with a debit or ATM card, stop in at one of our six branch offices.