From time to time we may restrict the use of your debit card in certain countries in which debit card fraud is known to take place.  If you have plans for international travel and intend to use your card, please check with us at (570) 568-6851 before depending upon your debit card.

At West Milton State Bank our Visa® debit card is an easy way to pay for purchases and keep track of spending. With many convenient ATM locations and the ability to use your card wherever credit cards are accepted, West Milton State Bank cardholders can access their money anywhere!

Your debit card is...

Even Better Than a Regular ATM Card
You can use your Visa® debit card to pay for purchases at over 18 million merchant locations worldwide, including restaurants and department and convenience stores at home or abroad. The amount of each purchase will be deducted directly from your checking account.

Even Better Than Checks
Your Visa® debit card is faster and easier to use, because it lets you access your checking account without taking the time to write a check or bother with identification. Plus it eliminates the inconveniences of carrying a checkbook or running out of checks.

Even Better Than Cash
Using your Visa® debit card is more convenient than carrying lots of cash. And it makes keeping track of your money simpler, too, because every purchase you make is listed on your monthly bank statement.


“How does the Visa® debit card work?”
It works just like a regular Automated Teller Machine (ATM) card at ATMs: You use it with your Personal Identification Number (PIN) to get cash. At stores, restaurants, and other merchants, it works just like a check: you present the card to the cashier, sign the receipt, and your purchase will be deducted right from your checking account. And if you use your Visa® debit card to place a phone order, you just give your card number and expiration date to the order representative.

“When I shop, I follow the same steps as when I use the credit card, right?”
Right! Your Visa® debit card will be accepted by merchants just like any credit card. But it’s not a credit card, because purchases are deducted from your checking account–which means you don’t pay interest charges on the things you buy (unless you access an overdraft service).

“Will my Visa® debit card purchases show on my monthly checking statement?”
Yes. The amount, date, and the name of the place where you used it will all appear on your statement along with checks you write and ATM transactions. Having all of your transactions on one statement helps you keep better track of your spending.

“Can I use my Visa® debit card anywhere?”
You can use your Visa® debit card to get cash at ATMs with the Plus logo (on the back of your card) and also shop wherever you see the Visa logo.

“Can I still use my checks when I shop?”
That’s completely up to you. But once you see how much more convenient it is to shop with your Visa® debit card, you’ll probably use checks less and less.

“What if my West Milton State Bank Visa® debit card is lost or stolen?”
If your card is lost or stolen, you can get your card replaced and limit the loss of money simply by reporting the loss or theft or any unauthorized transactions promptly.*

“How do I get a Visa® debit card?”
Just ask a Customer Service Specialist. We’ll take care of the rest.



Lost or Stolen Debit Card -

For West Milton State Bank Customers Only
 

To cancel a lost or stolen debit or ATM card:
8During regular business hours call (570) 568-6851
8After hours and weekends call (800) 554-8969

If you are not a West Milton State Bank customer, please contact the financial institution that issued your debit card.

Debit Card Fraud Detection -

For West Milton State Bank Customers Only
 

Our Fraud Detection program is designed to protect you and your account from suspicious debit card transactions.  Representatives from our Fraud Detection program will alert you at home if there has been any suspicious activity with your debit card.

Since a representative from our Fraud Detection program contacts you at home, it's best to contact us before your travels, so we can notify them that your purchases and/or ATM withdrawals will be out of the area.  If your debit card should get blocked while traveling, you can reach the Fraud Detection program at:

8Inside the United States call (800) 262-2024
8Outside the United States call (973) 682-2652

If you are not a West Milton State Bank customer, please contact the financial institution that issued your debit card.

*Use of your card is protected by federal regulations and you may have additional rights under state law. If you make the report within two business days of discovering the loss, you can limit your liability to $50 in most cases. Please refer to the account agreement, which can be obtained from a Customer Service Specialist for all terms and conditions that apply to the debit card.