Experience seamless spending through SmartBank’s Mastercard® Debit Card, offering 24/7 purchasing and withdrawal capabilities. Enjoy a more convenient way to pay, complete with exceptional protection and exclusive benefits.
Card Benefits
Mastercard ID Theft Protection
Monitoring at No Extra Cost
Activate your complimentary Mastercard ID Theft Protection by visiting mastercardus.idprotectiononline.com and entering your card number. This service monitors your credit file for fraudulent activities, sends alert notifications for suspicious actions, and tracks sensitive personal information. Additionally, it provides dedicated ID Theft Resolution specialists to assist with identity theft issues, ensuring swift action and comprehensive support.
Mastercard Global Service
24/7 Support Anywhere
Receive around-the-clock customer service assistance with lost and stolen card reporting, and assistance with locating ATMs and help with card-related questions.
Zero Liability Protection
Never Pay For Someone Else’s Purchases
You pay only for the purchases you have authorized on your Mastercard, and you won’t be held liable in the event of an unauthorized purchase. This coverage extends to purchases made in stores, over the phone or online.
Mastercard Airport Concierge
Personal Agent Available When You Need Them
Arrange for a personal, dedicated meet-and-greet agent to escort you through the airport on departure, arrival or any connecting flights, 24/7/365, at over 450 destinations worldwide.
Extended Warranty Insurance
Extra Extras Begin Here
Doubles the time period and duplicates the coverage of the original manufacturer’s or U.S. store brand warranty for a maximum of one year.
Satisfaction Guarantee
No returns? No problem
Provides up to $250 per product, if you become dissatisfied with the product within 60 days of purchase and the merchant will not accept a return.
FAQ
What is the difference between my SmartBank debit card and a credit card?
Purchases are directly debited from your primary checking account, eliminating monthly bills and interest charges. Additionally, it serves as a SmartBank ATM card, offering you 24-hour access to both your checking and savings accounts.
What happens if my SmartBank debit card is lost or stolen?
Customer security is a top priority to us. If you believe your card has been lost or stolen, call your local branch immediately, which can be found at Locations – SmartBank. We will stop the use of your card and order a new one for you. To report a lost or stolen card after banking hours login to your SmartBank account to access SmartLine24 or call 1-800-500-1044 for 24/7 assistance.
Are there any extra steps I can take to protect my debit card from fraud?
With a SmartBank debit card, you are eligible to enroll in our superior fraud protection program. This service uses real-time data and advanced analytics to detect and mitigate unauthorized transactions before they occur. Cardholders are notified of high-risk transactions using the contact information we have on file. If fraud is confirmed, the card is immediately disabled to prevent further activity. If the cardholder is unavailable to confirm the activity, the card is temporarily blocked pending further investigation.
What about fees?
When you make your purchase, you can either enter your PIN or use the Credit option when prompted, and the purchase amount will automatically be withdrawn from your SmartBank checking account. No fees are applied for Debit Card purchases whether you sign or use your PIN. Additionally, there are no transaction fees when you use a SmartBank operated ATM.