Personal Banking - Debit and ATM Cards

Product Overview

Debit and ATM cards provide instant access to your checking or savings account, enabling cash withdrawals, in-store purchases, and online payments wherever major card networks are accepted.

Key Features

• Worldwide Acceptance: Pay at millions of merchants globally.
• Contactless Payments: Tap to pay for faster, secure transactions (where available).
• ATM Network: Access cash at our ATM network with zero fees and reduced fees at select partner ATMs.
• Daily Limits: Pre-set withdrawal and purchase limits for added security (customizable upon request).

Security

• EMV Chip Technology: Reduces fraud risk at chip-enabled terminals.
• Fraud Monitoring: Real-time monitoring for suspicious transactions.
• Card Management: Freeze/unfreeze your card instantly via our mobile app.

Eligibility & Requirements

• Must have an eligible checking or savings account.
• Must be in good standing (no severe overdrafts or fraudulent activity).
• Verification of identity is required before issuance.

How to Obtain a Debit/ATM Card

• Request a card during account opening or via online banking if you already have an account.
• Cards typically arrive within 5–7 business days if mailed; instant issuance available at select branches.

Related Documents

• Account Opening - Personal Banking (Debit and ATM Cards) SOP
• PCI DSS Guidelines for Payment Info

Revision History

• v1.0 – Initial release by Sarah Smith on 2025-01-20.