Personal Accounts

Debit Cards

DEBIT CARD Safety Guidelines

Follow these safety guidelines to help prevent fraud and ensure your personal safety when using your Custer Federal State Bank Visa® Debit card.

Do:

  • Be prepared. Have your transaction ready before you arrive at an ATM.
  • Block others’ view. Stand between the ATM screen and any individuals waiting behind you, blocking your PIN number from view.
  • Complete the transaction. Gather your cash, receipts, and Visa® Debit card and put them away before leaving the ATM.
  • Keep your receipts. The ATM and debit card receipt is your proof of a transaction. Report unexplained transactions immediately.
  • Be cautious after hours. Park in well-lit areas and scan the location before approaching the ATM.
  • Be alert while in your car. Keep the engine running, doors locked, and windows up until you reach the ATM.
  • Memorize your PIN number. Never disclose your PIN number to anyone. Never write your PIN number on your card or anything you carry with or near your card.
  • Protect the magnetic stripe. Avoid exposing the magnetic stripe on the back of your card to the magnetic stripe on your credit cards. Always be sure to protect your card from other magnetic objects. They can render your card useless.
  • Take extra care when dealing with unfamiliar merchants. Don’t make a leap of faith when it comes to buying goods or services from mail order, telephone, or internet merchants you don’t know. Be sure to ask questions when doing business with a new merchant and only give them your account numbers when you know the business to be reputable. Remember, if the offer sounds too good to be true, it probably is.
  • Safeguard your personal computer against “Pharming”. Pharming is the name for an activity where a hacker acquires access to your computer for the purpose of redirecting web traffic to another site.

Do Not:

  • Write your PIN number on your card or carry your PIN number with your card.
  • Give information over the phone. If a caller requests your card number and PIN number, do not reveal it.
  • Withdraw money for a stranger. No one has the right to ask or compel you to withdraw funds via ATM.
  • Insert your card or enter your PIN number in any terminal that does not look genuine, has been modified, has a suspicious device attached, or is operating in a suspicious manner.
  • Fall prey to “Phishing”, “Vishing”, “Smishing” or “Pharming”. Never respond to e-mails, phone calls or text messages requesting you to provide card numbers, PIN numbers, or personal information via the internet, cell phone or home phone.

FAQs - Debit Cards

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  1. What is a Custer Federal State Bank Visa® Debit card?

    It is two cards in one. It is a debit card that can be used at any merchant who accepts Visa® and it is an ATM card which can be used for cash withdrawals at any ATM that accepts Visa® PLUS, ACCEL/Exchange, or NETS.

  2. Is the Custer Federal State Bank Visa® Debit card also a credit card?

    No. Rather than accumulating credit card debt, your checking account is charged for any purchases you make with your Custer Federal State Bank Visa® Debit card.

  3. How quickly will the purchases be deducted from my Custer Federal State Bank checking account?

    Your purchase amount may clear your account immediately. This varies with the merchants processing procedures. The name of the store and the amount will be printed on your monthly checking statement. ATM withdrawals may show as being deducted from your checking account immediately.

  4. How can I keep track of my purchases without a checkbook?

    Any time you use your Custer Federal State Bank VISA Debit card you will get a receipt from the merchant. Also, when you receive your monthly statement, be it through our online E-statment system or through the mail, all the transactions will be shown.  However, the most convenient way to keep track of your purchases is to sign up for free Online Banking through the Custer Federal State Bank website or by downloading the free Custer Federal State Bank mobile app available through the Google Play Store and Apple App Store.

  5. Are there limits on how much I can withdraw or purchase with my Custer Federal State Bank Visa® Debit card?

    Yes. You will be notified of your transaction limits when you have received your card approval. These limits can be permanently or temporarily raised per your request .

  6. What if my Custer Federal State Bank Visa® Debit card is lost or stolen?

    If your Custer Federal State Bank Visa® Debit card is lost or stolen during business hours, immediately call Custer Federal State Bank at 308-872-6486. If your Custer Federal State Bank Visa® Debit card is lost or stolen after hours, immediately call the FISERV Card Processing Center at 1-800-472-3272.

  7. Is there any transaction charge for using my Custer Federal State Bank Visa® Debit card?

    There is no transaction charge for using your Custer Federal State Bank Visa® Debit card for purchases or for transactions at a Custer Federal State Bank ATM. You also receive two free transactions at an external ATM during your monthly checking account cycle. If you need to use your card more than twice during your monthly checking account cycle there is a $1.50 charge for each external ATM transaction.

  8. Can I use my Custer Federal State Bank Visa® Debit card with my savings account?

    We are not able to link a Custer Federal State Bank Visa® Debit card soley to your savings account.  However, if you have a Custer Federal State Bank Visa® Debit card linked to your checking account, we can also link that card to your savings account to allow for savings account withdrawls via ATM.

  9. Is it difficult to return merchandise purchased with my Custer Federal State Bank Visa® Debit card?

    No, the merchant will re-run your Custer Federal State Bank Visa® Debit card to issue a credit to your account.  This credit will show as a deposit to your checking account.

  10. Do I pay a fee to get a Custer Federal State Bank Visa® Debit card?

    We provide Custer Federal State Bank Visa® Debit cards free of charge. These cards will also be re-issued upon expiration free of charge. However, there is a $15.00 charge to replace each lost, stolen, or damaged card.

  11. What is "Verified by Visa™"?

    When you use your Custer Federal State Bank Visa® Debit card at a participating merchant you will be prompted to enter your own private code just like entering a PIN number at the ATM. The first time you use your Custer Federal State Bank Visa® Debit card at a participating merchant you will be prompted to complete a simple enrollment process. If you have any questions about how to use or create your "Verified by Visa™" please visit www.visa.com/verified.

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