Clinton State Bank - Debit Card

How does a debit card work?
At Automated Teller Machines (ATM's) and Merchants Point of Sale (POS) machines. A debit card works like a credit card; however, it affects your checking account. You present the card to the cashier, then sign the receipt. Your purchase will be deducted directly from your checking account.

How is my debit card different from a credit card?
A debit card is not a credit card. When you make a purchase, the money is deducted from your checking account. A debit card will not cause an account overdraft. If funds are not available in your checking account the transaction will be rejected.

Will my debit card purchase appear on my monthly checking account statement?
Yes. If you shop with your debit card, the amount, the date, and the place of purchase will appear on your regular checking account statement.

What happens if my debit card is lost or stolen?
Call the Clinton State Bank immediately when you discover your debit card has been lost or stolen, so that your card can be canceled and a new card can be ordered.

Debit Card Features

Limits per day:	$205.00 Automated Teller Machine (ATM)
	$510.00 Total of all Point-of-sale (POS) and Automated Teller Machine (ATM) transactions

Limits can be adjusted with Officer approval
$2.00 automatic charge per month whether card is used or not
4‑digit PIN number is required. You may choose your own PIN or one will be assigned. You will receive a verification of your PIN selection by mail
Activation process once the card is received
Allow 5-10 business days to received the card
Automatic foreign exchange with International travel
ATM is available in the South entrance of Clinton State Bank for cash advances with no additional charge. ATM available 24/7
Application for Debit Card are available in the bank lobby
Clinton State Bank Debit Cards are enrolled in MasterCard® SecureCode^TM - an online security service to add protection against unauthorized use of SHAZAM Debit Cards online.

ATM SECURITY

Proceed with Caution

Security at Drive-up ATMs

Keep the doors locked, windows up and engine running at all times when waiting in line at a drive-up ATM.
When possible, leave enough room between cars to allow for a quick exit should it become necessary.
If an ATM is obstructed from view or poorly lit, go to another ATM. If possible, report the problem to the financial institution that operates the ATM.
Before rolling down the window to use an ATM, observe the entire surrounding area. If anyone or anything appears to be suspicious, drive away at once.
Minimize time spent at the ATM by having your card out and ready to use. Once your transaction is completed, take your money, card and receipt and immediately drive away from the terminal. While conducting a transaction, if anyone or anything appears suspicious, cancel your transaction and leave immediately.
If anyone follows you after making your ATM transaction, go immediately to a crowded, well-lit area and call the police.

Security At Walk-up ATMs

Always observe your surrounds before conducting an ATM transaction.
If an ATM is obstructed from view or poorly lit, go to another ATM.
It’s a good idea to take a companion along when using an ATM, especially at night.
Minimize time spent at the ATM by having your card out and ready to use.
Stand between the ATM and anyone waiting to use the terminal so that others cannot see your PIN or transaction amount.
If you see anyone or anything suspicious while conducting a transaction, cancel your transaction and leave immediately.
Look for possible fraudulent devices attached to the ATM.

Back to the top