Debit Card Education Center

Helpful tips about your Debit Card from SNBT.

Reasons your Debit Card could be declined:

· Your transaction is over the daily limit— Using your PIN on a transaction that exceeds $250 at a merchant or ATM. To avoid this, choose to complete the transaction by signing the receipt instead, your daily limit is higher when you complete a signature-based transaction.

Debit Card Daily Limits

· PIN-based transactions $250

· Signature-based transactions $1500 over a 3 day period

If you would like to change your daily limit, or plan to make a large purchase, please call Customer Support at 715-735-2356.

· Your purchase may overdraw your account— Due to new Federal regulations, we may not be able to process a debit card transaction that would cause your account to become overdrawn. Click Here for more info.

· The merchant has a pre-determined transaction amount— For example, when paying at the gas pump, the gas station will automatically hold $75 before the gas is pumped, once the transaction is complete, that money will be released and you will be charged only for the amount of your gas purchase.

Be careful: If you retry a declined transaction multiple times it will cause your card to become locked and unable to be used for any transaction. Call Customer Support to have the lock-out removed 715-735-2356.

Learn the difference between PIN and Signature

At most merchants you can choose to sign the receipt instead of using your PIN, ask the cashier to guide you.

PIN transactions

· Daily limit of $250

· Allows you to receive cash back

· No fee to receive cash back from merchant purchases

· For merchant transactions, simply punch in your PIN on the keypad

Signature transactions

· Daily limit of $1500 over a three day period

· For merchant transactions, simply choose “credit” and the cashier will print a receipt to be signed

· Funds are removed from your checking account even when you choose “credit”

General Debit Card Features

· Money comes directly from your checking account

· Replaces the need to write checks

· Can be used at merchants or ATMs

· Receive 4 free checking account transactions per month from ATMs not owned by SNBT
($1 for savings account transactions at non-SNBT terminals)

· All point-of-sale merchant transactions are free

· Your transactions are monitored by Fraud Detective, click here to learn more.

Debit Card Daily Limits

· PIN-based transactions $250

· Signature-based transactions $1500 over a 3 day period