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 ore replacement debit card and cannot wait for it to arrive by mail, visit one of our locations and get your debit card instantly issued. 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

The security of your card is a top priority at RSNB Bank.  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 that as "abnormal" and rates the transaction as possibly fraudulent.

When EnFact℠ determines that a particular transaction could be fraudulent, the Fraud Detection Center may call you or text you at your primary phone number to determine whether you have authorized the transaction(s). If you have a email address on file, you may received an email. If your primary number is a land line number, you may want to consider updating your primary phone number to a cell phone or work number to ensure a timely response.  If you verify that the transaction was not authorized, EnFact℠ will not remove the block from the card, and if necessary, ask you to contact us to file a dispute. If you confirm that the transaction was authorized, no further steps will be necessary. If EnFact℠ is unable to contact you, your card will be blocked and the bank will be notified.

To differentiate a call 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.

If you have been contacted by the Fraud Detection Center and have your personal message code from the voice mail or text, please call 833.735.1894. If you have been contracted by text and have your personal message code, please call 833.735.1892.

To ensure we can continue to reach you whenever potential fraud is detected, always keep us informed of your correct phone number and address.

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