Debit Cards

Debit Cards Debit Cards When will my debit card arrive? Your debit card may take up to 5-10 business days to arrive after ordering. All ANB branches are able to print instant issue debit cards for personal accounts. How do I get a new debit card? (expiration as well as getting a new one) Instant Issue cards are available at most ANB banking centers for personal accounts, otherwise one can be ordered through the mail by contacting <a href="/contact-us" class="font-copper" title="Contact Us">Customer Care</a> or your <a href="https://locations.anbbank.com/locations" class="font-copper" title="ANB Bank locations">local branch</a>. How do I activate my debit card? Call 800-992-3808 and follow the prompt to activate your card. How do I change my debit card PIN? Call 800-992-3808 and follow the prompts to change your debit card PIN. How do I report my debit card as lost or stolen? Please contact Customer Care at 866-433-0282, Monday through Friday (excluding federal holidays) from 7 am to 6 pm MT or Saturdays from 8 am to 12 pm MT.  Can I put a custom image on my debit card? No, not at this time. Where can I use my debit card? Anywhere VISA ® is accepted. What should I do if I notice fraudulent transactions on my debit card? Please call Customer Care at 866-433-0282 or call or visit your <a href="https://locations.anbbank.com/locations" class="font-copper" title="ANB Bank locations">local branch</a>. My debit card is going to expire soon, what should I do? Debit cards are automatically reissued and you will receive one in the mail before your current card expires. If you haven’t received a new card and your card expires in less than a week please contact Customer Care at 866-433-0282, or visit your <a href="https://locations.anbbank.com/locations" class="font-copper" title="ANB Bank locations">local branch</a>. How can I avoid problems if I plan to use my debit card while traveling domestically or internationally? Please call Customer Care at 866-433-0282 to add a travel notification to your account. Will I be charged fees for using my debit card internationally or when purchasing online from international merchants? There is an International Transaction (ISA) fee for 1% of each transaction for international purchases. Are there transactions fees when I use my debit card? There are no transaction fees when you use a debit card for purchases within the United States. There is an International Transaction (ISA) fee for 1% of each transaction for international purchases. You can also incur foreign ATM fees when using a non-ANB Bank ATMs or outside of the MoneyPass ATM network. How do I dispute a transaction on my debit card? To dispute a transaction, please contact Customer Care at 866-433-0282 or call or visit your <a href="https://locations.anbbank.com/locations" class="font-copper" title="ANB Bank locations">local branch</a>. CardValet Business Debit Cards Can I add my ATM Card to CardValet? No, CardValet only works with debit cards at this time. Can I unsubscribe to the CardValet alerts? Yes, you can unsubscribe through the CardValet application via Manage Portfolio. To unsubscribe, uncheck all cards and accounts and tap OK. Can I re-enroll in CardValet if I have previously unsubscribed? Yes, you must re-enroll with a new user name. What is included in Spent on card this month? Spent on card this month displays the total amount that is calculated from the cumulative spending on all managed cards in the month to date. At the end of every month, the system automatically resets the monthly spending amount to zero (0). Deposits and refunds are deducted from the total. I’ve lost my card and have received a new card. How do I update this information? The new card number must be registered within the CardValet app, by going to your profile via Menu > Manage Portfolio > Add Card. The old card cannot be removed, but you can unenroll the card through the Manage Portfolio screen. What if I leave my phone at home and my Locations settings are on? If you are within certain proximity of the device the location settings may not impact your purchase. If you are too far away and outside of a certain range, then your transaction will be declined. Does Block International also block international Internet transactions? No, location controls are for in-store purchases only. I have an authorized recurring transaction set for my debit card. Will any of these controls impact this transaction? No, any previously authorized recurrent payments will continue to process. How long does it take for a control or alert setting to take effect? The controls or alerts take effect immediately after the Updating information message in the app completes. What types of phones are supported by CardValet? The CardValet app works with the most recent mobile operating software as well as two past generations of Android and iPhone devices. How do I register? Download the CardValet app to your smartphone. The registration process will step you through the enrollment to add your card information to set up your account. Can I download CardValet on multiple devices? Yes, you can download and set up CardValet on multiple devices; however, you are required to set your primary device. The primary device is used to determine your location (via your phone’s GPS) and will receive all alerts. Can I have multiple cards linked to my CardValet account? Yes, you are able to add multiple debit cards to your CardValet account. How can I turn off notifications at certain times, while I’m sleeping? You can set the Do Not Disturb time that will suppress notification during that time frame. Some notifications will still be delivered, for example, any transaction denial or any transaction that is a card-present authorization. I am a new CardValet user. How do I receive Push Notifications? Android New CardValet users need to select Yes when the first prompt appears asking: Would you like to set this device as a primary device? Select Allow to let CardValet access the device’s location. iOS New CardValet users need to select Allow when the first prompt appears stating: CardValet would like to send you notifications. Select Allow Card Valet to use your location. Select Yes when the third prompt appears asking: Would you like to set this device as a primary device? I am an existing CardValet user. How do I receive Push Notifications? Existing CardValet users can ensure they receive future push notifications by navigating to Menu > Settings > Toggle Primary Device to On. How do I receive My Location push notifications? Android Enable My Location Alerts: <ol> <li>Tap Alerts & Controls from the Card Details Screen.</li> <li>Choose Alerts.</li> <li>If Let me customize my alerts is selected tap Locations. (This does not apply to users with Send me alerts for all transactions and Don’t send me any alerts are selected.)</li> <li>Tap My Location to enable the feature.</li> </ol> Enable My Location Controls: <ol> <li>Tap on Alerts & Controls from the Card Details Screen.</li> <li>Choose Controls.</li> <li>Tap Locations.</li> <li>Tap My Locations.</li> <li>Select OK on the CardValet in-store transactions prompt.</li> </ol> iOS Enable My Location Alerts: <ol> <li>Tap on Alerts & Controls from the Card Details Screen.</li> <li>Choose Alerts.</li> <li>If Let me customize my alerts is checked, tap Locations. (This does not apply to users with Send me alerts for all transactions and Don’t send me any alerts are checked.)</li> <li>Tap My Location.</li> <li>Select Turn on GPS when the Location Service prompt appears.</li> <li>Change the Location setting to Always.</li> </ol> Enable My Location Controls: <ol> <li>Tap on Alerts & Controls from the Card Details Screen.</li> <li>Choose Controls.</li> <li>Tap Locations.</li> <li>Select OK on the CardValet in-store transactions prompt.</li> <li>Select Turn on GPS when the Location Service prompt appears.</li> <li>Change the Location settings to Always.</li> </ol> Consumer Debit Card Controls What enhanced card management options are available within the online banking and the ANB Bank Mobile Banking App? Our enhanced card management options allow you to: <ul> <li>Lock/unlock your cards </li> <li>Limit transactions by location, merchant, transaction type or dollar amount </li> <li>Easily add cards to mobile wallets (Apple Pay® and/ or Google Pay™) </li> <li>View subscriptions tied to a card and see where cards are stored online </li> <li>Stay informed with alerts </li> <li>View your spending via easy-to-read graphs </li> <li>Get in-depth transaction details </li> <li>Report lost or stolen cards </li> <li>Set up and manage travel plans </li> <li>Activate your card when it arrives </li> </ul> How do I get started? Simply log in to your online banking or ANB Bank Mobile App and tap “My cards” menu item to get started. Any active debit card under your name will automatically populate. Can multiple cards be linked to one Online Banking account? Yes, multiple cards from our institution can be accessed via one Online Banking account. When I receive a reissued or replacement card, will I have to update the cards within the application? No, the card will be automatically updated within our digital banking platform. Can I add my ANB Bank credit cards to the Mobile App? No, our credit cards are not able to be added at this time. Can I add other financial institutions’ debit or credit cards to the Mobile App? No, only our institution’s credit/debit cards are supported. What if I don’t see “My cards” in the Mobile App? For some users, if your personal accounts are tied to your business accounts, you will not see the My Cards menu item. Your debit card will need to be managed with the CardValet. What type of transactions are displayed/enriched? Transactions made with your cards are enriched and displayed. Teller transactions, wire transfers, and payments made via Bill Pay and ACH are not shown within the My Cards area. Enriched data includes the merchant’s name, logo, address and more. Does the app show recent transaction history? Yes, the app shows the last 50 card-based transactions posted within the last 30 days. What card controls are available? Via our online banking or ANB Bank Mobile App, you can lock or unlock your card if you suspect fraud or misplace your card. You can even report lost and/or stolen cards without ever having to call a customer service number. Even limit transactions by location, merchant, and transaction type to control how your card is used. Plus, set up alerts to stay informed. Can I add my ATM card to my card controls? No, ATM cards cannot be added to My Card Controls. Can I add my card to my Mobile Wallet? Yes, the ANB Bank Mobile app currently supports adding your ANB Debit Card to either Google Pay™ or Apple Pay® depending on your device. I will be traveling several times in the next year. Can I enter all of my travel plans at once? The app allows you to set two travel plans at a time with a maximum duration of 15 days. If your trip exceeds this or you are travelling more than two times, you will need to update the app after each trip or after 15 days. Can I block all international transactions? Yes. International transactions can be blocked under location controls. All transactions outside of your specified country of residence will be blocked. Does Block International also block international Internet transactions? No, location controls are for in-store purchases only. I have an authorized recurring transaction set for my debit card. Will any of these controls impact this transaction? No, any previously authorized recurrent payments will continue to process. Will changing location controls, merchant controls, and spend controls impact previously authorized recurring transactions? Previously authorized recurring payments will not be affected by the card controls. How long does it take for a control or alert setting to take effect? Control settings take effect immediately. How are alerts delivered? Alerts are sent as push notifications on your device. The alerts will also appear under “Messages” in the app. How can I turn off notifications at certain times, while I’m sleeping? You can set the Do Not Disturb time that will suppress notification during that time frame. Some notifications will still be delivered, for example, any transaction denial or any transaction that is a card-present authorization. How do I unsubscribe to alerts for card controls? Alerts are set through the My Cards section. You can turn off any alerts in the Alerts section. If I have set an alert for international transactions but no controls are set, will I receive alerts for all international transactions? Yes, an alert will be sent for all international transactions, whether they are allowed or denied. If I set multiple alerts and a transaction triggers more than one, will I receive a separate message for each alert? No, alerts will all be included in one message. What if I leave my phone at home and my Locations settings are on? If you are within certain proximity of the device the location settings may not impact your purchase. If you are too far away and outside of a certain range, then your transaction will be declined. A spend limit of $50 has been set, but my card gets denied at some gas stations. Why? Sometimes a merchant will pre-authorize the card for an amount that may be more than the spend limit you allow on the card. In this case, your card will be denied. What’s the difference between “Card on File” and “Recurring Payments”? “Recurring Payments” are those payments that happen repeatedly on a schedule, for example, streaming subscriptions, cellular bills, or other monthly bills you pay with your card. “Card on File” is a list of merchants who store your card information for future purchases, like online retailers or delivery apps. I see a transaction I don’t recognize. What should I do? Select the transaction to view its details. If it was an in-person transaction, you should see a Google Map of the actual location the transaction took place. If you still don’t recognize the purchase, you can reach out to the merchant from the phone number listed on this screen. If then you still are unfamiliar with the transaction, contact us at 866-433-0282. Contactless Debit Cards How do I use a contactless debit card? Look for the contactless symbol on the card reader or Tap to Pay verbiage.  The four curved lines that appear on your card should also appear on contactless-enabled card readers.  When prompted, hold your card within one to two inches of the contactless symbol.  If your purchase is approved, you will receive confirmation in the form of a beep, green light, or check mark. Will a PIN be required for contactless transactions? A PIN may be required to complete ATM transactions, some debit card purchases, and you may be asked to enter a PIN for purchases when traveling outside the United States. Not all ATMs are equipped to handle ATM transactions via contactless. How can I tell if my card is contactless? Look for the contactless symbol on the front of your card. If you card does not have this symbol, you can request a new debit card. All new ANB Bank debit cards (personal, business and HSA cards) will be contactless starting in March 2022.  This is four curved lines that increase in size from left to right, similar to a Wi-Fi symbol. Contactless readers will also have this symbol. How do contactless debit cards work? Contactless cards use radio-frequency identification (RFID) technology, allowing the card to communicate with the card reader when the card is held near the reader during a transaction.  When the contactless card is held to the contactless reader, the reader securely authenticates the card information.  The merchant’s point-of-sale system sends the transaction to ANB Bank.  ANB Bank will then analyze the transaction before approving it.  The tap-and-go process usually takes less than a second. What if a store does not have contactless readers? Contactless cards also come with EMV chips, magnetic stripes, debit card number, expiration date, and security code.  If a store does not have contactless readers, the card can still be inserted into the chip reader or swiped. How safe are contactless cards? Contactless cards are just as secure as chip cards at a chip-enabled register and more secure than magnetic strip payments.  Each contactless transaction creates a unique, one-time code.  This code cannot be used again and can only be read by the card-processing network, reducing security risks. Can my contactless card allow others to track my location? No. Contactless and EMV chip card technology are not locator systems.  The technology is limited to supporting authentication of card data when a purchase is made. Can people "skim" information off a contactless card? No.  For every contactless transaction, a one-time code is created that secures your payment information.  The code cannot be reused and the information would be useless to a fraudster.  Your name and account number are not transmitted from your card. What other terms are used to describe contactless technology? Contactless technology is also described as “Tap and Pay”, “Tap and Go”, “Wave and Go” and “Swipe-Free Shopping”.