Debit, ATM & Credit Cards

NEED TO REPORT A LOST OR STOLEN DEBIT CARD? 
PLEASE CALL SHAZAM AT 1-800-383-8000 IMMEDIATELY!


Debit Cards

A debit card from McFarland State Bank is convenient and quick...
Anywhere you see the MasterCard® logo, you can use your ShazamChek® Debit Card. That means you can use it for purchases or get cash at financial institutions and ATM machines worldwide.

This Is One Powerful Card.
This is the card to carry. It has all the great features of a debit card - flexibility, worldwide acceptance, and safety. Yet it acts as a check, with purchases or ATM withdrawals taken directly from your checking account.

It's Easy To Use.
To make a purchase, just present your ShazamChek® card. Your purchase amount will automatically be deducted from your checking account - you simply need to have enough money in your checking account to cover the transaction. Every transaction will appear on your monthly statement with the detailed information you need: amounts, dates and locations.

It's Convenient.
It's accepted world-wide - anywhere you spot the familiar MasterCard® logo. And if you ever need quick cash, you can visit one of the 350,000 financial institutions world-wide or any ATM affiliated with McFarland State Bank. It's that easy. The ShazamChek® card from McFarland State Bank is also ideal for your every day spending needs, from a trip to the grocery store to a spending spree at your favorite department store.

It's Safe and has Fraud Monitoring.
The ShazamChek® card from McFarland State Bank is safer than carrying cash and easier than carrying checkbooks. Our card also provides a fraud monitoring service to further protect you and your money. Please click here to learn more about this fraud monitoring service.

It's a Great Concept - Take advantage of a whole new approach to checking. Plus it is a great paper trail for your expenses.

Tips on taking care of your ShazamChek® Card...
Here are a few "dos" and "don'ts" that are important to follow.

  • DO treat your card like cash. Always keep the card in a safe place.
  • DO keep your PIN a secret. Positively DON'T write the number on your card or keep it in your wallet.  We will NEVER ask nor should you give your Personal Identification Number (PIN) to us or to anyone who asks for it.
  • DON'T disclose information about your card over the phone. DO give your card number and expiration date if you initiated the call to place an order or make a reservation.
  • DON’T fall victim to phishing, smishing or vishing schemes by entering your card information on the worldwide web unless you initiated the transaction.
  • DON'T expose your card's magnetic strip to magnetic objects. A magnetic name tag or badge in a purse will make the card in your wallet ineffective.
  • DO report lost or stolen cards immediately by calling Shazam at 1-800-383-8000.
  • DO review your account statements and report any discrepancies to McFarland within 60 days of your statement date.
  • Click here for additional ways to safeguard your ShazamChek® Card

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Debit Card Fraud Monitoring

 

 

We're pleased to announce that in conjunction with our debit card processor, Shazam, we utilize the Shazam R.A.D.A.R. program to monitor our ShazamChek® Debit Cards for fraudulent transactions.

  • It is critical for us to have up-to-date contact information for all of our Debit Card clients.  One great feature about this monitoring program is that you will receive a phone call regarding suspicious transactions appearing on your account.  This means it will serve you best if either McFarland State Bank or Shazam representatives can reach you promptly.  Please note, Shazam Fraud Specialists will NEVER ask you for your account number, PIN or social security number!
  • As you already do with your credit cards, we need to be notified when you travel out of your normal purchase area.  Providing us with travel information including your destination and travel dates will help us minimize any transactional impact on your normal card usage.  Please click here to provide this information to us.
  • We strongly recommend always carrying more than one form of payment.  Interruptions within ANY card network are always a very real possibility.  Carrying multiple forms of payment reduces frustrations when trying to complete a needed purchase.  McFarland State Bank is pleased to offer checks, ATM Cards, Visa® Gift Cards and élan Credit Cards (subject to credit approval by élan).  Stop in and see us today!
  • Review your account statements promptly and notify McFarland State Bank of any possible errors or unauthorized transactions.  Our Online Banking is a great resource for reviewing transactions on a real-time basis.

HOW DOES SHAZAM R.A.D.A.R. WORK?
Each transaction you make is assigned a fraud score. Transactions placed out of your normal shopping area – especially a foreign country – score higher as do large dollar transactions.  Because of this, you can see why it’s so important to notify us of your travel plans. The higher the score, the more likely the transaction will be flagged as potentially fraudulent.  Depending on the level of risk of the transaction, you may be called by a Shazam Fraud Specialist to confirm the activity or identify it as fraudulent.  If a Shazam is unable to reach you, McFarland State Bank employees will make these contact attempts. This is why, again, it is essential to maintain accurate contact information with McFarland State Bank.  There is a potential – again based on the level of risk of the transaction – for your card to be frozen immediately but please note this is only used as a last resort and is for your protection.  If this were to occur, please note there is 24/7 access to Shazam via their toll-free number: 1-800-383-8000.  This number can also be found on the back of your McFarland State Bank Debit Card.

We’re excited about this service and we know you will be too!

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MasterCard® SecureCode

McFarland State Bank offers MasterCard® SecureCode™ protection on our Shazamchek® Debit Cards

One of the great things about shopping online is that you have access to
a whole world of shopping possibilities, without ever leaving the comfort of
your home! And when you shop online, you can feel confident that
your electronic payment is secure, thanks to the added online security
of MasterCard® SecureCode™.

MasterCard® SecureCode™ is designed to provide added protection for your existing McFarland State Bank Shazamchek® Debit Card. It allows you to choose a private code that will protect your account against unauthorized charges when you shop online at participating merchants. Once you have created your private code, it's all you'll need for the ultimate in security the next time you shop online.  Enroll now...

Frequently Asked Questions About MasterCard® SecureCode™
 

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ATM Cards

Have access to your money 24 hours a day at tens of thousands of locations throughout the United States. Your card can be used at any machines where you see the following signs: TYME, CIRRUS, PLUS, PULSE, INSTANT CASH, EXPRESS TELLER, FASTBANK, SHAZAM, and STAR.

Notice regarding non-McFarland State Bank ATM Fees: 
McFarland State Bank never assesses a fee when using your ATM card.  However, the owner of the terminal/network operator of the ATM being used may impose a fee when you initiate a withdrawal or transfer from. You will be notified of any such fee when you use the terminal.

Tips on taking care of your ATM Card...
Here are a few "dos" and "don'ts" that are important to follow.

  • DO treat your card like cash. Always keep the card in a safe place.
  • DO keep your PIN a secret. Positively DON'T write the number on your card or keep it in your wallet.  We will NEVER ask nor should you give your Personal Identification Number (PIN) to us or to anyone who asks for it.
  • DON'T expose your card's magnetic strip to magnetic objects. A magnetic name tag or badge in a purse will make the card in your wallet ineffective.
  • DO report lost or stolen cards immediately by calling McFarland State Bank at 1-866-826-2265.
  • DO review your account statements and report any discrepancies to McFarland State Bank within 60 days of your statement date.

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Frequently Asked Questions

What is a debit card?
A debit card looks like a credit card but works like an electronic check. Why? Because the payment is deducted directly from a checking or savings account. If you use a debit card at a retail store, you or the cashier can run your card through a scanner that enables your financial institution to verify electronically that the funds are available at the time of purchase and approve the transaction. Most debit cards also can be used to withdraw cash at ATMs (automated teller machines).

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Why do people use debit cards?
For many people, it is more convenient to carry a small, plastic card instead of a bulky checkbook or a large amount of cash. Using a debit card is also easier and faster than writing a check. It's a good way to pay for purchases without having to pay interest, as you would if using a credit card with an outstanding balance. You can even use your debit card to get cash when you make purchases at a store.

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What kinds of costs are associated with debit cards?
McFarland State Bank does not charge an annual fee or per-transaction fees on your ShazamChek® Card.  If you lose your card and request a replacement, a fee of $5 will be charged.  If you forget your PIN and request we send you a reminder by mail, a $2 fee will be assessed.  If you use your card internationally, MasterCard® assess cross-border and currency conversion fees totaling up to 1% of your transaction amount. If you overdraw your account using your debit card and you’ve opted in under our Overdraft Service, you will incur a $35/item fee just as you would if you "bounced" a check. Or, there could be a charge if you use your card as an ATM card at a machine that is not operated by McFarland State Bank.  Be sure to read the disclosures provided to you at the time you apply for your card.

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Some debit cards come with "rewards" or other incentives for using them. How can I know which one is a good deal?
As with similar financial products, rewards-linked debit cards are designed to encourage people to use a certain bank and its services. Before opening a new account or changing banks just to get a different perk, study the fine print. Start by reading the disclosures that explain the account terms and fees to understand the potential benefits as well as the costs.

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How can I overdraw my account if my bank or bank network must approve a debit card transaction?
First, because the payments are electronic, they are deducted from accounts more quickly than when using a paper check. Often, a debit card purchase is posted within 24 hours instead of days, as may be the case with a paper check. That means there would be little time to make a deposit to cover a purchase, if necessary. In addition, even though a transaction was approved, you may overdraw your account because the bank won't know what other withdrawals you have made that day until it settles all transactions later that day.

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If I use a debit card to make a purchase can the merchant put a temporary "block" or "hold" on other funds in my account?
Yes, in certain circumstances, merchants can take these steps as protection against fraud, errors or other losses. One common situation involves a hotel putting a hold on a certain amount when you use a debit card (or credit card) to reserve a room. Another example is when you use your debit card at a gas pump. Typically, the gas station will create two transactions — the first to get approval from your bank for an estimated purchase amount (let's say $50) when you swipe your card before pumping gas, the second for the actual charges when you're done. Until the first ($50) transaction is cancelled by the bank, usually within 48 hours, you wouldn't have access to that amount in your account.

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Because a debit card transaction is processed so fast, is it possible to order a "stop payment" or obtain a refund if I later discover a problem with the merchandise?
It depends. Because funds are deducted from your account very quickly, don't expect to have the option to stop payment or obtain a refund. If the transaction cannot be cancelled, you may be able to work out other arrangements with the store or merchant. For example, if you return an item to a merchant and you're not able to get a refund, you instead may qualify for store credit or a gift card.

"If you're concerned that the merchant might not deliver what is promised, you might consider using a credit card instead of a debit card," says Janet Kincaid, FDIC Senior Consumer Affairs Officer. "That's because the consumer protections are stronger for credit cards when it comes to returning damaged merchandise." She noted, for example, that the Fair Credit Billing Act, which applies to credit cards but not debit cards, gives you the ability, under certain circumstances, to withhold payment on defective goods until the problem has been corrected.

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Sometimes you're asked to enter a PIN to approve a debit card transaction, other times you can sign your name. Does it matter?
Yes, it could. Examples: If you use a PIN at a merchant's sales counter, you also may be able to get cash back, and that can save you a trip to the ATM and/or avoid a surcharge. However, be aware that some financial institutions charge consumers a fee for a PIN-based transaction. There also may be differences in how quickly the transaction is posted to your account, depending on how your bank processes PIN vs. signature debits.

Also, here's how to select each option. If you want to sign for a debit card transaction, you generally swipe your card through the reader and choose "credit" — even though you are authorizing a debit (withdrawal) from your account, not a credit card transaction. To use your PIN instead of signing, select "debit."

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What more do I need to know to prevent debit card fraud?
Protect your debit card as well as the account number, expiration date, security code on the back, and the PIN. "Even if you never lose possession of your card, someone who learns your account number, security code and PIN may be able to use that information to access your account and create counterfeit cards," said Aurelia Cardamone, an FDIC Senior Technology Specialist.

While in many cases you are not responsible for unauthorized transactions (see federal protections described later), it can be a hassle resolving the situation. Here's how to avoid becoming a victim:

  • Never write your PIN on or near your card. Memorize it instead.
  • Don't give out bank account information over the phone or the Internet unless you have initiated the contact or you know the person is who he or she claims to be. For example, beware of deceptive calls or e-mails from crooks claiming to be from your bank asking you to "verify" (divulge) your account information. "Don't fall for it," said Cardamone. "A true representative of your bank will never need to ask for your PIN because your bank already has your account information.
  • Don't share your debit card PIN, security code and other account information with friends or relatives who aren't co-owners of your account. Likewise, never reveal this information to new "friends" you meet over the Internet. "Common scams start with a job offer or an Internet friendship or romance that leads to pleas for money transfers and secrecy," said David Nelson, an FDIC fraud specialist.
  • Take precautions at the checkout counter, ATM and gas pump. Always stand so that no one can see the keypad where you enter your PIN. At retail establishments, it's best to use do-it-yourself scanners. If you give your card to a clerk, be on guard against a dishonest employee who runs your card through two scanners instead of one. The second scanner could be capturing your account information to make a counterfeit card. In general, be alert for suspicious-looking devices that may be used to "skim" information from your card.
  • If you use your debit card to shop online, consider extra precautions with your personal computer. Experts advise installing and periodically updating virus and spyware protection and a "personal firewall" to stop thieves from secretly installing malicious software on your personal computer remotely that can be used to spy on your computer use and obtain account information.  MasterCard® SecureCode™ can also help…click here to learn more.
  • Look at your bank statements as soon as they arrive. Or, better yet, review your account each week by phone or the Internet. Promptly report any discrepancy, such as a missing payment or an unauthorized transaction, to your bank. Your quick attention to the problem may help limit your liability and give law enforcement authorities a head start on stopping the thief

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What federal protections cover consumers who use debit cards?

The federal Electronic Fund Transfer Act (EFTA) protects you from errors, loss or theft of your debit card. However, unlike the Truth in Lending Act protections for credit cards, which cap a consumer's liability for unauthorized transactions at $50, the law limits liability to $50 if the debit cardholder notifies the bank within two business days after discovering the theft. If you don't notify your bank within those two days, you could lose up to $500, or perhaps more. In the worst-case scenario — if you receive a bank statement that includes an unauthorized debit-card withdrawal and you wait more than 60 days to alert your bank — you could be liable for any amounts from transactions made after that 60-day period.

The good news is that many banks don't hold a consumer responsible for unauthorized transactions if he or she notifies the institution in a timely fashion. But remember that with a debit card, the money tapped by the thief has already been taken out of your account.

Under the EFTA, a bank has 10 business days to investigate the matter (20 business days if your account is new) and report back to you with its results. If the bank needs additional time, it may, under certain circumstances, temporarily give you some or all of the disputed amount until it finishes its investigation. Generally, a bank is allowed up to 45 days of additional investigation time (90 days for certain transactions). "But until the dispute is resolved," said Creamean, "you should be prepared to pay your mortgage, car payment, credit card bill and any other obligations that may come due." Also, she said, if the bank's investigation finds there was no error, theft or loss, it can take back the money it put into your account, after notifying you.

Source: FDIC Consumer News 

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Credit Cards

We have partnered with élan® to offer a wide variety of consumer credit cards. There are options for you if you are just starting out, going to college, looking for a low interest rate, wanting travel or cash rewards…

Take a look at what the McFarland State Bank élan® Credit Card can do for you. Apply today!

  • Click here to learn more and/or to apply for élan® Visa Consumer or an élan® Visa Business Credit Card.
  • If you are an existing élan® Card Customer, click here to access your account.

    Remember that all credit cards require an application and are subject to credit approval.

For more information about applying for an élan® credit card, call one of our Personal Bankers today.

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