Debit & ATM Cards

We know how important it is for you to have uninterrupted access to your money. Whether you are buying in person, online or need cash from an ATM, RSNB Bank's Visa® Debit card makes it easy. Use your debit card anywhere Visa® cards are accepted.

The latest is chip technology helps keep your transactions safe. You can count on enhanced fraud protection every time you use your card at a chip-activated terminal. Visit our frequently asked questions for more information or visit our Education Center to view a video on Debit Chip Cards.

If you're in need of a new or replacement debit card and cannot wait for it to arrive by mail, visit one of our locations and get your debit card instantly issued (personal cards only). Otherwise, expect your Visa® Debit Card to arrive within 5 to 7 business days.

Debit Card Features

• Access your checking account without writing a check
• Track purchases by accessing your transactions online or on your monthly bank statement
• Get cash using an ATM machine 24/7 with free unlimited ATM access at RSNB Bank and MoneyPass® ATMs
• Use anywhere Visa® Debit Cards are accepted
• Make purchases online, by phone and in person

Lost or stolen debit or ATM card?

If your card is lost or stolen notify the Bank immediately.

• During bank hours call 307.352.0485
• During non-banking hours call 800.472.3272

Working to prevent Debit Card Fraud

RSNB Bank blocks most international transactions on our Visa® Debit Cards. This means you may not be able to use your Visa® Debit Card for transactions that are processed in a foreign country. RSNB Bank feels that the risk of debit card fraud far outweighs the benefit of allowing these transactions to continue unintentionally. If you plan to travel outside the U.S. or conduct international transactions, contact a Personal Banker to temporarily unblock your card.

From time to time, Visa® provides the bank with a specific list of compromised debit cards which usually only affects a very small percentage of our card holders.  When we receive a list, the debit card is flagged and EnFact monitors transactions at a higher level for the probability of fraud.

Occasionally, a fraud alert is received from Visa® concerning a specific business and/or country which requires us to place an immediate block on certain types of transactions. This temporary block denies debit card transactions which originate from the business and/or country. Should this impact the use of your card, notify us and we can temporarily unblock your card.

Helpful Hints for Debit Cards

For peace of mind, carry an alternate payment method as a backup, especially traveling outside of the United States.

Use a credit card for hotel, rental car, airline reservations, internet purchases, or for recurring payments.  Use of a credit card can prevent merchants from placing extended holds on your account.

If a PIN-based transaction is denied when making a purchase, please have the clerk run your debit card as a credit-based transaction.

EnFact℠ Debit Card Fraud Detection System

At RSNB Bank we want to make sure that using your debit card is always as safe and convenient as possible.  A fraud detection service, known as EnFact℠, provides you with 24/7 fraud protection.  EnFact℠ monitors cardholder activity for suspicious transactions and cardholder behavior to predict the probability of fraud. For example, if you normally use your card in Wyoming, but transactions are being processed in California, EnFact℠ considers this as "abnormal" and rates the transaction as possibly fraudulent.

EnFact℠ Fraud Center Phone Calls

When EnFact℠ determines that a particular transaction could be fraudulent, the Fraud Detection Center may call you at your primary phone number to determine whether you have authorized the transaction(s). If your primary number is a land line number, you may want to consider updating your primary phone number to a cell phone number to ensure a timely response.  If you confirm that the transaction was authorized, no further steps will be necessary.  If you verify that the transaction was not authorized EnFact℠ will place a block on the card.  If necessary, they may also ask you to contact us to file a dispute. If EnFact℠ is unable to contact you to verify your transactions, your card will be blocked, and the bank will be notified.  If you have been contacted by the Fraud Detection Center and you have your personal message code from the voice mail you may also call 833.735.1894 to validate the transactions.

EnFact℠ Text Notifications

Our text alert service allows you to instantly keep tabs on suspicious card activity.  With text fraud alerts, if our system detects suspicious activity on your card, you’ll receive a text message from short code 37-268 with details about the suspected transaction.  All you need to do is respond to the text to confirm the transaction.  If you indicate the transaction is not fraud the system will mark the transaction as authorized, and no further action is needed.  If you indicate the transaction is fraud, you’ll receive another text message letting you know a block has been placed on your card and to call 833.735.1894 to follow up. 

To differentiate a call or text like this from an identity theft phishing attempt, the Fraud Detection Center will not ask for any personally identifiable information. They will already have this information.

To ensure we can continue to reach you whenever potential fraud is detected, always keep us informed of your correct phone number and address.  If you need to verify or update your phone number, please give us a call at 307.352.0485.

Should you have any questions regarding our fraud procedures and to learn more about protecting your debit card, contact a Personal Banker.