VISA® Debit Card

Your VISA® Debit Card is connected to your checking account. Use it instead of cash or checks anywhere VISA® is accepted, and that’s millions of places worldwide. Although the card displays the trusted VISA® logo, it is not a credit card. The transaction amount is deducted directly from your checking account and appears as a debit on your account register.

It’s an ATM Card too!

Use your VISA®Debit Card at bankHometown ATMs to make a deposit, check your account balances, transfer funds and make payments. The card also gives you the 24-hour banking convenience at any ATM or point of sale location, and you get fee-free access at any of the more than 4,500 SUM Network ATMs nationwide. (Some banks may charge a fee for use of their ATM.)

VISA® Debit Card

Available with your bankHometown accounts No monthly maintenance fee
Use for purchases anywhere a VISA is accepted Purchase up to $2,500 per 24-hour cycle.
Access available funds at any time of the day or night at an ATM machine. Withdraw up to $500 per 24-hour cycle.
SUM Network Member No fee for withdrawals when ATM bank is also a member of the SUM network.

Out of Area Debit Card Advisory

bankHometown is committed to providing you with the most advanced fraud protection solutions available in the market place.

In keeping with this commitment, we have implemented a tool which allows us to restrict debit card use in countries identified as having a high volume of fraudulent activity.

Due to an increase of fraudulent debit card activity, we have implemented the following restrictions:

INTERNATIONAL:

  • CHINA – Full block. You may not use your debit card. Please use another method of payment.
  • SPAIN – Full block. You may not use your debit card. Please use another method of payment.
  • FRANCE – Only PIN based transactions will be permitted
  • JAPAN – Only PIN based transactions will be permitted
  • MEXICO – Only PIN based transactions will be permitted
  • SOUTH AFRICA – Full block. You may not use your debit card. Please use another method of payment.
  • TURKEY – Full block. You may not use your debit card. Please use another method of payment.

DOMESTIC:

  • FLORIDA – Blocked for point of sale, signature-based transactions (including online payments). Only PIN based transactions will be permitted.
  • TENNESSEE – Blocked for point of sale, signature-based transactions (including online payments). Only PIN based transactions will be permitted
  • TEXAS – Blocked for point of sale, signature-based transactions (including online payments). Only PIN based transactions will be permitted.

This list will be updated periodically with any new limitations, so please watch for advisories on our home page, or call Customer Service at 888.307.5887 to obtain the most current restrictions.

Helpful Hint: Going on vacation? Be sure to notify your local branch manager so our Fraud Watch Program doesn’t turn off your debit card if they are unable to reach you by phone. Read more about Fraud Watch here.

Frequently Asked Questions

I’m going on vacation and plan on using my VISA® Debit Card. Is there anything special I need to know?

Yes! Our Fraud Watch system is designed to recognize any unusual transactions outside your normal buying practices, so be sure to notify your local branch manager you’ll be using your card out of area. We can make a note of your travel destinations on your account so you will be assured that your card will perform as intended. You may also want to inquire about temporarily increasing the daily limits on your card if you plan to use the card frequently while traveling.