Activate all that SmartBank has to offer with the Mastercard debit card

Protection with peace of mind, every time.

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.

Skip the PIN and stay secure

Your SmartBank Mastercard(r) Debit Card utilizes an EMV chip, which already keeps your account info safer than cards without it. It’s possible for thieves to access your account if they capture your PIN.

Once you insert your card, the card reader will offer you options. One of those options is typically listed as “Press OK to Skip PIN.”

Unfortunately, not every store or gas station gives you the option to skip the PIN, but it’s becoming more common.

For added convenience, your card also supports contactless payments-simply tap to pay without inserting your card or entering your PIN at compatible terminals.

If your physical card is ever lost or stolen, you can lock/unlock your card directly from the SmartBank mobile app. This gives you ultimate control over someone’s ability to use your card.

Card Benefits

Mastercard ID Theft Protection

ID Monitoring at No Extra Cost

Get the Details

Activate your complimentary Mastercard ID Theft Protection by clicking the link below:

ID Theft Protection

Mastercard Global Service

24/7 Support Anywhere

Get the Details

Call 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.

Zero Liability Protection

Protection wherever you shop

Get the Details

With Mastercard Zero Liability protection you’re protected against unauthorized transactions in stores, online and in app. Click the link to learn more.

Mastercard Zero Liability Protection for Unauthorized Transactions

Extended Warranty Insurance

Double the time period and duplicate coverage for a maximum of two years.

Get the Details

Click the link to visit Insurance and Services below:

Mastercard Benefits

Benefits are subject to terms, conditions and limitations, including limitations on the amount of coverage. Coverage is provided by New Hampshire Insurance Company, an AIG company. Policy provides secondary coverage only.

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.