Just what you need to help simplify your life and your business so you can access your money anywhere in real-time.


  • Purchases are automatically deducted from your checking account. 
  • Transactions are monitored for potential fraud using Fraud Detective.
  • Know how, when, and where your card is used with CardValet.
  • For lost or stolen cards, call this number immediately: 800-472-3272 (This number is for you to call out to only. You should not receive calls from this phone number.)
  • When you plan to make a large purchase or travel, call SNBT at 715-732-1732.

NOTE: Cards that are inactive or in a restricted status may be subject to closure.

Signature Transactions

  • Higher purchasing limit than PIN transactions
  • For merchant transactions, simply choose “credit” and sign the keypad or printed receipt.
  • Merchants will send us the purchase total for authorization. This amount is placed on hold and removed from your available balance immediately. The hold is released after approximately 72-hours or when the transaction clears, whichever comes first.

PIN Transactions

  • Simply punch in your PIN on the keypad
  • Allows you to receive cashback at no charge at a merchant
  • The funds are deducted from your account immediately

Be Careful: If you re-try a declined transaction multiple times it may cause your card to become locked and unable to be used for any transaction.

Enhancement Services

Pick your own PIN for Debit Cards

Change your own Personal Identification Number (PIN) without the hassle of coming into the bank!

Select a PIN that you'll remember, but don't make it easy for others to guess. Avoid using combinations such as '0000' or '1234' or the last four digits of your Social Security Number.

Call 1-800-992-3808

Always keep your PIN and passwords secure. NEVER give them to anyone.

Interactive Video Player

Chip Cards: Enhanced Security Debit Cards

Learn more about your SNBT Card and the secure & versatile capabilities it has to offer.