Visa® Debit Card

Like check deposits that can’t be immediately withdrawn, account deductions can’t be cleared until the final amount is known. Therefore, a “hold” may be placed on funds to cover the estimated cost of certain transactions, such as at gas stations. This ensures that you don’t spend more money than you have and merchants are paid for each transaction. While most holds are usually less than 24 hours, Visa protects you by requiring financial institutions to remove all holds within 72 hours.

While an ATM card only accesses cash from an ATM, the Visa Debit Card also gives you a fast, easy and secure way to make purchases anywhere Visa is accepted plus the convenience, security and protection.

Unlike a credit card (which accesses a line of credit), the Visa Debit Card is tied to your checking account and purchases come directly from the account. This means you don’t incur an interest charge and can’t spend any more than the amount in your checking account.

In addition to Visa’s security and protection, Bank 34 has Premier Defense Fraud Monitoring that provides 24/7 real-time authorization decisions for detecting, preventing and managing fraud activity for debit cards.

Generally, it is not necessary for our cardholders to contact us when traveling to another state. However, it is recommended to let us know because sometimes exceptions occur when outside of normal transactional habits. Example: Debit card used at a gas station 200 miles outside of cardholder’s zip code. Also, we ask our cardholders to notify us when and where traveling outside of the US to use their card.

Our Card Call Center may contact cardholders for suspicious activity. Cardholders need to contact their branch to reorder new cards if blocked by the Call Center.

Lost/Stolen Debit Card Hotline is at (800) 535-5440.

To activate or change debit card PIN, call (866) 985-2273.