Frequently Asked Questions

Who do I contact if my card is lost or stolen?

• Monday thru Friday, 8 a.m. to 4 p.m.: 
  Call 903-676-1900
• After hours, weekends and holidays:
  Call 800-472-3272

Who do I contact to reset my pin?

• The card owner can have the pin reset at any of our branch locations during normal business hours.

Do I need to notify the bank when I travel? Yes, it is recommended that you notify the bank before you travel to prevent a fraud alert from being placed on your account.  An alert can be removed by contacting 1-800-472-3272.

Do I have a daily access limit on my debit card?   Each cardholder has access up to a $500 daily cash limit for ATM transactions and $1,500 for daily point of sale transactions.  The same withdrawal limits apply for both Saturday and Sunday transactions. Please be aware your available balance is subject to the date your transaction is processed by the merchant.

What is my credit card secure code, as requested for online purchases? For Visa, MasterCard, and Discover cards, the card code is the last 3 digit number located on the back of your card on or above your signature line.

What is the cost of a replacement card? A fee of $5.00 will be charged for each new card re-issued.

How do I get a new card? Contact a new account representative at any of our locations.

Introducing MasterCard SecureCode

 Q: What is MasterCard® SecureCode™?

A: MasterCard SecureCode is a service to enhance your existing MasterCard account. A private code means added protection against unauthorized use of your card when you shop at participating online retailers.

Q: How does MasterCard SecureCode work?

A: Once you've registered and created your own private SecureCode, you will be automatically prompted by your financial institution at checkout to provide your SecureCode each time you make a purchase with a participating online merchant. Your SecureCode is quickly confirmed by your financial institution and then your purchase is completed. Your SecureCode will never be shared with the merchant. It's just like entering your PIN at an ATM.

Q: How does MasterCard SecureCode protect me?

A: When you correctly enter your SecureCode during a purchase at a participating online merchant, you confirm that you are the authorized cardholder and your purchase is then completed. If an incorrect SecureCode is entered, the purchase will not be completed. Even if someone knows your credit or debit card number, the purchase cannot be completed without your SecureCode at a participating merchant.

To Enroll in the MasterCard SecureCode system please click here

TIPS FOR KEEPING YOUR CARD SAFE:

Make a record of card numbers, expiration dates and phone numbers.  Keep this record in a safe place, separate from where you keep your cards.  Use this information when you report your cards lost or stolen.

Never put your account number or PIN on the outside of an envelope or a postcard.

Write down the toll-free emergency numbers and keep it with you, but separate from your card.

Don't give your debit or credit card number over the phone unless you've made the call.

Don't sign a blank charge slip unless absolutely necessary.

Tear up carbons from slips and save receipts

Always check receipts against your monthly statements.  Report any errors within 60 days of the statement mailing date.

Carry only the cards you need, especially when traveling.

Memorize your PIN and don't write it on anything in your wallet.

Check all ATM receipts against bank statements.