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DEBIT/ATM CARD FAQs
How do I activate my Debit/ATM Card?
You may activate your card by phone or at an ATM by following the instructions on the card label:
1. Activate by Phone:
- Call 1-800-862-0760
- Enter your Card Account Number
- Provide the last 4 digits of your Social Security Number
(If you have any problems activating your card, you will be prompted to call Central Bank at 1-888-294-2183. You will not need your PIN to activate your new card.)
2. Activate at any ATM:
- Swipe your new card and enter your new PIN
- Make a withdrawal or transfer and your new card will be activated
Can I change my PIN?
Yes. IMPORTANT: You must have your PIN Mailer with instructions, phone number and reference code to change your PIN. If you have lost or misplaced your PIN Mailer, please call Central Bank at 1-888-294-2183 to request a new PIN Mailer be sent to you. Follow the instructions on the PIN mailer to change your Personal Identification Number:
- Change your PIN by Phone:
- Call the phone number on your PIN Mailer
- Enter the reference code from your PIN Mailer (it will take 24 hours for your new PIN to take effect).
- Once you have used the PIN Mailer to change your PIN, the reference code is no longer valid. To change your PIN again, please request a new PIN Mailer or change your PIN at an ATM owned by Central Bank.
- Change your PIN at an ATM owned by Central Bank:
- Swipe your Card and enter your current PIN
- Choose “Change Personal Identification Number”
- Enter your new PIN and confirm (your new PIN will be effective immediately)
After I change my PIN, how soon will it be effective?
If you change your PIN by phone it will take 24 hours to be effective. If you change your PIN at an ATM (that is owned by Central Bank), your new PIN will be effective immediately.
What if I forget my Personal Identification Number (PIN)?
You are allowed 5 PIN attempts before your PIN is automatically locked. The system will reset in 24 hours. You may try entering your PIN again. If you need a new PIN please call 1-888-294-2183 to request a new PIN Mailer be sent to you.
When can I access the funds in my account?
All ATM and Debit Card transactions are “real-time”. This means that when you make a withdrawal, transfer, or payment with your Debit/ATM Card, the funds post immediately to your account - just like all transactions currently done with Online Banking and at the Teller line.
What is an authorization?
When you use your check card for a purchase and do not enter a PIN, the merchant will request an approval or an "authorization" for the transaction. This authorization generally confirms that an account is open and the purchase amount is acceptable at the time of the request. The purchase amount sent by the merchant for authorization varies by merchant type. Many merchants request an authorization for the exact purchase amount. However, some merchants may send a nominal amount such as $1 or an estimate that is more or less than the actual purchase amount. Each authorization will show as a pending transaction. When the transaction is presented to the bank, the actual purchase amount is deducted from your account, usually within two to three business days. If the authorization is not matched with an actual purchase within three business days, the transaction will no longer be displayed as pending on your account.
What could cause a pending transaction or authorization amount to be different from my actual purchase amount?
An authorization may vary from the final purchase amount in situations where there is an estimated authorization amount or a tip is involved.
Example: At a restaurant, an authorization is requested prior to a tip being added. The final purchase amount will include the tip. Some restaurants will estimate a tip amount in the authorization dollar amount; thus your purchase and authorization amount would vary only slightly.
Example: At the gas pump, an initial authorization is requested prior to dispensing fuel and determining the final amount of the purchase. Many pay-at-the-pump gas purchases are initially authorized for $1 no matter the final purchase amount.
Example: At a hotel, an authorization in the amount equal to the entire stay plus an estimated amount for incidentals may be made. This can also be true of cruise lines and car rental companies.
When will the actual purchase amount replace the pending amount and be posted to my account?
It may take several business days for the actual purchase amount to replace the pending transaction amount on your account. The pending transaction reduces your available balance. The pending transaction is generally replaced when the final purchase amount is deducted from your account within three business days. If the pending amount is not matched with an actual purchase amount within three business days, the pending transaciton will be removed.
Can I make a deposit at an ATM?
Yes. You can make a deposit at our RiverBank ATMs located at: 304 Cascade Street, Osceola, WI and 2191 U.S. Highway 8, St. Croix Falls, WI (MarketPlace). The first $100 of your deposit made at one of these ATMs is available immediately. The remaining funds will be available on the next business day.
What is the daily cutoff time for Debit/ATM Card transactions?
The daily cutoff time for Debit/ATM Card and all Online Banking, Mobile Banking and Online Bill Payment transactions is 6:00 p.m.
My Debit/ATM Card has a MasterCard logo on the front. What does that mean?
The logo on your card means that it is accepted at millions of locations around the world that accept MasterCard Debit Cards, in place of cash and checks. No matter how you use your Debit/ATM Card, the money is always deducted directly from your checking account.
What is MasterCard SecureCode?
MasterCard SecureCode is a free service that allows you to protect your Debit MasterCard purchases over the Internet by using a personal SecureCode. Once you've registered your Card for the service you will be asked for your MasterCard SecureCode at participating online retailers. This prevents unauthorized usage of your card at participating online retailers.
What is the UChoose Rewards Program?
With the UChoose Rewards Program, you will earn points for every signature-based, online or telephone transaction on your card. Redeem the points you earn at uchooserewards.com where you’ll find hundreds of retailers offering millions of redemption choices!
Will there be a charge / transaction fee to use my ATM card?
If you use your Debit/ATM Card at Automated Teller Machines that Central Bank does not own or operate there is a $1.00 charge. In addition, you may receive a surcharge from the company that owns or operates the ATM.
Is there a charge / transaction fee to use my MasterCard Debit Card
There are no monthly charges, annual charges or transaction fees for a Debit Card from Central Bank. (If you have an Express Checking account and do not have direct deposit, there is a $1.00 monthly checking account service charge to have a Debit/ATM Card.)
What fees from Central Bank are associated with my Debit Card/ATM Card?
Debit/ATM Card Replacement Fee is $5.00.
Fee for t ransactions at ATMs we do not own or operate is $1.00.
Can I use my Debit Card in foreign countries?
Yes. Transactions originated by or in certain countries may be blocked or monitored for being potentially fraudulent transactions. Please contact Central Bank at 1-715-294-5949 or 1-888-294-2183 to let us know the dates you will be traveling and the countries you will be visiting to ensure your transactions will be accepted.
How is a Debit Card different from a Credit Card?
You can use your Debit Card everywhere MasterCard is accepted, just like a credit card. However, your Debit Card is not a credit card, so you don’t have to pay interest charges. Each purchase amount is deducted from your checking account and the details are included on your monthly checking statement.
Where can I use my Debit Card?
Your Debit Card can be used for purchases at millions of locations around the world that accept MasterCard. This includes movie theatres, restaurants, gas stations, purchases on the Intranet, and at the ATM.
How do I keep track of purchases I make with my Debit Card?
You can track all Debit Card purchases with Online Banking and Mobile Banking. Every purchase will also appear on your monthly checking account statement.
Can Central Bank notify me when activities I designate occur to my account?
Yes. Central Bank offers eAlerts which notify you, via email and / or text message, when designated events occur to your accounts. For example the “Checking Low Balance” eAlert can help you manage your account and avoid overdraft fees. The “Checking Deposit” eAlert will notify you of a deposit - when a return is made with your Debit Card.
Can I pay my bills with my Debit Card?
Yes. You can use your Debit Card to pay just about any bill online or over the phone, and you can earn rewards for bill payments with UChoose. Or you can contact your service providers to set up ongoing scheduled payments. You may want to compare this Bill Payment option with Central Bank’s Online Bill Pay service to choose the payment system that best suits your needs.
If I swipe my Debit Card at a keypad in a store, which button should I press – “credit” or “debit”?
You will need to select “credit” and sign the receipt. (The “debit” selection requires you to enter a PIN. We do not support this transaction type.) For both “credit” and “debit” transactions, funds are deducted from your checking account.
What is a non-PIN purchase?
Any transaction that does not require you to enter your PIN is considered a non-PIN purchase. The following are considered non-PIN purchases:
- Present your card to the merchant and sign the receipt.
- Swipe your card at a keypad, press “credit” and sign the receipt.
- Use your card to make a purchase on the Internet, by phone or at the gas pump.
- Make automatic bill payments with your Debit Card, such as your phone bill or Internet Service provider.
All non-PIN transactions qualify for UChoose Rewards.
Can I convert my ATM Card to a Debit Card?
Yes. You can close your existing ATM Card and open a new Debit Card at no charge. If you have a checking account with Central Bank, simply stop in one of our convenient locations and a Personal Banker will help you order your new Debit Card.
What should I do if my Debit/ATM Card is lost or stolen?
Contact Central Bank immediately by calling 1-888-294-2183 to report your lost or stolen card. No one will be able to use your Debit Card at an ATM unless they know your PIN (that’s why it’s very important to keep your PIN to yourself and not write it down).
Your card is also backed by MasterCard’s Zero Liability Policy, which means that you will not be held responsible for any unauthorized non-PIN purchases made with your Debit Card. If there is a fraudulent purchase, contact Central Bank at 1-888-294-2183.
Is it safe to carry and use my MasterCard Debit Card?
Yes. In addition to the MasterCard Zero Liability Policy protection described above, you can call Central Bank Customer Service at 1-888-294-2183 and have your Debit Card “frozen” immediately if it is ever lost or stolen. If you lose cash, the money is gone and will not be replaced. A lost or stolen personal check could still be accepted by a merchant, even after you’ve placed a stop payment on it. Checks also have a great deal of your personal account information (name, account number etc.) preprinted on them.
What if someone else tries to use my Debit Card?
Central Bank will attempt to detect unusual transactions that may indicate fraudulent use. If that happens you will be contacted immediately.
Is it safe to use my Debit Card to make purchases on the Internet or over the phone?
Yes. When you use your Debit Card for one of these purchases, it is considered a non-PIN purchase, and is therefore protected by the MasterCard Zero Liability Policy. Your account is protected the same way it is when you pay in person. So if someone steals your Debit Card number, you won’t have to pay for any unauthorized purchases.
Please give us a call at 1-715-294-5930 or 1-888-294-2183 if you have questions.
