Debit Card

Debit Card

The Exchange Bank Debit Card is your checkbook and ATM card rolled into one. As an ATM card, you have access to cash at ATMs throughout the world. As a debit card, you can make purchases anywhere Visa is accepted. You may apply for an Exchange Bank Debit Card by completing the Application Form and returning it to the bank via FAX or e-mail.
Lost or Stolen Card
To report a lost or stolen card you may call 1-800-523-4175 24 hours a day, 7 days a week. You may call the bank to report a lost or stolen card at 913-367-6000 between the hours of 8am - 5pm Monday thru Friday.
Disputed Transaction Process
If you detect a transaction on your account that you believe is fraudulent, was not authorized by you or that there is an issue with the merchant please contact the Card Services Department at 913-367-6000. The Customer Dispute Request form must be completed.
PIN Sets/Resets
Your debit card is issued without a PIN number. For security reasons, the new and reissued cards cannot be used until you call Card Services. You must call from one of the phone numbers on record from your application to activate your card. New card PIN numbers are also selected by you when activating your card. The Card Service's number is 1-866-985-2273 and is available 24 hours a day 7 days a week. This number may also be called at any time to change your PIN. If you know your current PIN you may also make a change at any EBT ATM.
PIN vs. Signature Transaction

First of all, when you use your PIN, you will find that the transaction is settled more quickly than if you sign for a purchase. While the money comes out of your checking account whether you use a PIN or a signature debit, with a PIN it often comes out a little faster. Your PIN transaction can be settled at the end of the day. Merchants may also have varying options for cash back on PIN transactions. Due to EBT’s experience with fraud, purchases from certain merchants are only accepted as PIN transactions.

The alternative to using your PIN when you swipe your debit card, is signing for your purchase. It takes longer for these to settle through the system. In some cases, it might actually take a couple of days for your signed debit transaction to be finally deducted from your checking account (although a Memo-Post of the transaction normally remains on the account until the final posting occurs). Visa offers “Zero Liability” for fraudulent signature based transactions.

Which Should You Choose? In the end, whether you choose a PIN or signature based transaction is up to you. When the merchant offers both types of transactions, you make the choice. All cards can process either type of transaction. (If one method is unsuccessful the alternate may complete the transaction in some cases.) On the other hand, you may want to make a PIN transaction because it is sometimes considered a little more secure at the terminal.

Card Limits
Your debit card limits are generally $1,000 a day total for signature and PIN based transactions which includes a $500 a day limit for PIN/ATM transactions. These limits are set based on general usage and bank liability, not account balance. Card limits can be modified to accommodate special short term needs with a call to the Card Services Department.
Card Expiration and Reissue
Your debit card generally has a three year expiration period. Cards are valid thru the month that they expire. The new card is issued towards the end of the expiration month. Cards must be activated upon receipt. This may be done via the Card Service's phone number 1-866-985-2273, or via an ATM transaction. Please remember to register a PIN number to your new card during the activation process.
Out of Network ATMs

When using an ATM not associated with Exchange Bank, you may be able to avoid some fees. 

Exchange Bank & Trust offers nationwide access to ATMs with the MoneyPass Network. 

Whether you’re around town or traveling across country, look for an ATM with the STARsf® logo and use your debit card wherever you are and reduce your ATM fees.

Download the MoneyPass mobile app to locate ATMs anywhere coast-to-coast or go to*


*Applies only to customer/member cards authorized by participation financial institutions. Customer /member must confirm participation in the program with his/her financial institution.

Email Alerts
Keep tabs on your debit card with Email Alerts!  Debit Card Email Alerts allow you to protect your account with added security. There are a variety of alert options that can help you keep track of your activity and account balances. Sign up for alerts to start managing your accounts today!