Holiday Closing - Memorial Day
Our offices will be closed on Monday, May 25, for Memorial Day.
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Why Choose a Visa® CheckCard?
Your Visa® CheckCard combines the flexibility of a credit card with the security and direct access of your checking account. It’s the smart way to manage daily spending.
Key Benefits:
- Worldwide Acceptance: Use it anywhere Visa is accepted, at home or abroad.
- Earn Rewards: Everyday purchases like groceries, dining, gas and more, earn ScoreCard® Rewards Points that you can redeem for awesome stuff including instant savings at checkout.
- Convenient & Secure: Reduce check writing, carry a small, lightweight card and protect your funds.
- ATM Access: Withdraw cash, check balances, transfer funds and make deposits at thousands of ATMs.
Earn Rewards with ScoreCard®
Make every purchase more rewarding with your Visa® CheckCard. Bypass entering your PIN at checkout and start earning ScoreCard® points.
Redeem points for rewards such as gift cards, brand-name merchandise, travel and more. Every time you make a qualifying purchase*, like when you go out to eat, order your groceries or fill up your gas tank, you accumulate points using your NEBAT Visa® CheckCard. The more you use your CheckCard, the faster you earn!
Card Rewards
Find a Surcharge-Free ATM
NEBAT is part of the MoneyPass ® ATM Network, giving you access to more than 34,000 surcharge-free ATMs from coast to coast!
ATM Cards
Adding an ATM card to your savings account allows you to withdraw cash and check your account balance at ATMs. Visit one of our convenient ATM locations today, or withdraw from one of the thousands of locations of MoneyPass ATMs.
Compromised, Lost or Stolen Cards
To report a compromised, lost or stolen card during normal business hours:
- Please call the bank at 1-877-921-7700
To report a compromised, lost or stolen card after normal business hours:
- CheckCards, Health Savings Account Debit Cards or ATM Cards: 1-800-236-2442
- Credit Cards: 1-800-221-5920
Compromised Device
Have you experienced fraud on a device recently? See our Device Compromise handout for guidance on the next steps to take.
Replace Your Card at an Instant Issue Location
Some National Exchange Bank & Trust locations are able to replace your CheckCard in the office with our Instant Issue card printers. To find a location near you, just look for the Instant Issue icon in our list of locations.
Apply for Your Visa® CheckCard Debit Card Today
Start enjoying convenient payments, rewards and secure access to your funds. Apply online for a National Exchange Bank & Trust checking account and be sure to check the box to request a CheckCard be ordered as part of your newly opened account or visit your nearest National Exchange Bank & Trust branch.
Apply for a Checking Account Visit an Instant Issue Location Today
Visa® CheckCard FAQs
Is a CheckCard the same as a debit card?
Yes. A CheckCard is a debit card linked directly to your checking account. It works like a debit card for purchases and ATM withdrawals and transactions, but may also include additional benefits, such as a rewards program. Every CheckCard transaction is deducted from your checking account, just like a standard debit card.
Why isn't my Visa® CheckCard working?
There are a number of potential reasons why the transaction you are attempting is not being authorized. Some of them may include:
- Transaction restrictions established or the card fully blocked through Manage Cards in online banking. Go to the Card Management area inside Exchange OnLine to review your current card settings.
- After twelve months without being used, your Visa CheckCard becomes inactive.
- You may have accumulated more than three PIN or transaction failures. Please contact us to verify and reset.
- You may be over your card's transaction limits for the day.
- The business accepting your card over the phone may not be inputting the security code or expiration date accurately.
- Funds in your account may not be available at this time.
- Your account may be overdrawn, or you may be at your maximum overdraft limit.
- If your card is not working as you expect, please contact us so we may investigate.
What if I cannot read the three digit security number on the back of my card?
National Exchange Bank & Trust does not know or have access to your CVC number. If you would like to write it down, please keep it in a safe place and do not include your card number with it. If you do not know your CVC and cannot read it, you will need to order a replacement card from your local office to complete any transactions over the phone or online.
How do I reset my PIN on my CheckCard?
If you know your current PIN, you may change it via Exchange Line using your card number and Exchange Line Personal Identification Number or by visiting your nearest office. If you do not know your current PIN, you may request a PIN reminder be sent via the US Mail or visit your nearest office to customize a personal PIN.
What is a CheckCard reversal?
A CheckCard reversal occurs when a transaction on your Visa® CheckCard is canceled or refunded after it was initially processed. This could happen if:
- You returned a purchase to a retailer.
- A merchant made an error on the transaction.
- A transaction was disputed or found to be incorrect.
Once a reversal is processed, the funds are returned to your checking account. Depending on your bank and merchant, it may take 1–5 business days for the reversal to appear on your account statement.
Tip: Always check your account online or via your mobile banking app to confirm that the reversal has been completed.
