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DSB Debit Card * DSB Credit Card
| Visa Consumer DEBIT Card more info > |
Visa Business DEBIT Card more info > |
Visa Consumer CREDIT Card more info > |
Visa Business CREDIT Card more info > |
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| To obtain: |
If possible, come in to any DSB location so that we can provide the required disclosures to you, get your signature, and you can choose your PIN and obtain your activated card ready to use. |
Two types: Employer card and Employee card. If possible, come in to any DSB location so that we can provide the required disclosures to you, get your signature, and you can choose your PIN and obtain your activated card ready to use. |
Apply for Consumer card (Platinum Preferred, Classic) through Bankers Bank of Kansas. The card is DSB-branded, but DSB does not underwrite or administer the card. BBOK customer service: 1-800-423-7503 any time of day. |
Apply for Business card through Bankers Bank of Kansas. The card is DSB-branded, but DSB does not underwrite or administer the card. BBOK customer service: 1-800-423-7503 any time of day. |
| Activation: | If you obtain your card in a DSB location, it will be activated and ready to use. If a card is mailed to you, it will require activation by following the instructions on the sticker on the card or by activating in your DSBconnect > My DSB Visa Debit Card > Manage. | If you obtain your card in a DSB location, it will be activated and ready to use. If a card is mailed to you, it will require activation by following the instructions on the sticker on the card. | Call 1-800-543-5073. | Call 1-800-543-5073. |
| Funding source: | DSB personal checking account | DSB business/commercial checking account | Revolving line of credit with the creditor | Revolving line of credit with the creditor |
| Merchant purchases: | Yes, with any Visa-accepting merchant. Up to $3,000 daily on Beyond and Commercial checking accounts, all other checking accounts up to $2,000 daily. Card can be used at contactless pay terminals and loaded to Apple Pay/Apple Wallet and Google Pay/Google Wallet. | Yes, with any Visa-accepting merchant. Employer debit cards up to $3,000 daily. Employee debit cards up to $2,000 daily. Card can be used at contactless pay terminals and loaded to Apple Pay/Apple Wallet and Google Pay/Google Wallet. | Yes, with any card-accepting merchant, up to the credit card limit. | Yes, with any card-accepting merchant, up to the credit card limit. |
| Temporary limit increases: | If approved, we can code your card so that at any time you can login and increase your card purchasing limit up to $10,000 for the next 30 minutes. If interested, contact DSB. This must be approved and coded by the bank before it will work. | If approved, we can code your card so that at any time you can login and increase your card purchasing limit up to $10,000 for the next 30 minutes. If interested, contact DSB. This must be approved and coded by the bank before it will work. | ||
| ATM withdrawals: | PIN entry required. Withdrawals up to $500 daily. No charge if this card is used at a DSB branch ATM. | PIN entry required. Withdrawals up to $500 daily. No charge if this card is used at a DSB branch ATM. | PIN entry required for cash advances at ATMs. | PIN entry required for cash advances at ATMs. |
| Offline limits: | $305 daily for purchases and withdrawals if the network is down. | $305 daily for purchases and withdrawals if the network is down. | ||
| PIN: | Cardholder can custom-choose their own PIN by logging in to their DSBconnect > My DSB Visa Debit Card > Manage, or by visiting or calling us. | Cardholder can custom-choose their own PIN by logging in to their DSBconnect > My DSB Visa Debit Card > Manage, or by visiting or calling us. | The issued PIN cannot be altered. | The issued PIN cannot be altered. |
| Option to link to Round Up Savings: | Yes. Request to the bank. | Yes. Request to the bank. | No | No |
| Overdraft Privilege available: | If account holder opts in for Extended Coverage for everyday debit card purchases. | If account holder opts in for Extended Coverage on everyday debit card purchases. | N/A | N/A |
| Annual Percentage Rate (APR): | N/A | N/A | Refer to the credit card application at the time you apply and your monthly statement. | Refer to the credit card application at the time you apply and your monthly statement. |
| Payments: | N/A | N/A | Payments can be made at www.mycardstatement.com, by phone 1-800-423-7503, through ACH AutoPay, DSB Bill Pay/mailed to Visa, PO Box 4512, Carol Stream, IL 60197-4512. Payments cannot be accepted at DSB. Read more. | Payments can be made at www.mycardstatement.com, by phone 1-800-423-7503, through ACH AutoPay, DSB Bill Pay/mailed to Visa, PO Box 4512, Carol Stream, IL 60197-4512. Payments cannot be accepted at DSB. Read more. |
| Registered online access: | www.dsbks.com | www.dsbks.com | www.mycardstatement.com | www.mycardstatement.com |
| Transaction disputes: | Dispute forms, or on the posted transaction in DSBconnect, click the dispute link. | Dispute forms, or on the posted transaction in DSBconnect, click the dispute link. | ||
| Fraud detection and cardholder communication: | Yes, through Card Sentry. | Yes, through Card Sentry. | Yes, through SecurLock Communicate | Yes, through SecurLock Communicate |
| Lost/stolen card: | Call any DSB location during operating hours, or call after-hours 844-202-5333. You can switch the card off/on in DSBconnect > Documents & Alerts > Manage Cards. | Call any DSB location during operating hours, or call after-hours 844-202-5333. You can switch the card off/on in DSBconnect > Documents & Alerts > Manage Cards. | Call 727-570-4881 any time of day. | Call 727-570-4881 any time of day. |
| Card on/off: |
In DSBconnect > My DSB Visa Debit Card > Manage, you can turn your card off/on at any time, such as if lost or stolen. You can set up an automatic turn off/on schedule, such as automatic turn-off in the evening and turn-on the next morning. |
In DSBconnect > My DSB Visa Debit Card > Manage, you can turn your card off/on at any time, such as if lost or stolen. You can set up an automatic turn off/on schedule, such as automatic turn-off in the evening and turn-on the next morning. | ||
| Card usage when traveling: | Card Sentry monitors card usage outside Kansas and the adjoining four states as an anti-fraud measure. When you travel outside these five states and intend to use your DSB debit card, login to DSBconnect and enter your traveling dates, destinations, and major stops along the way. This reduces abnormal activity flagging for legitimate travel and ensures the card continues working for you. If you routinely travel to the same locations, you can set up an automatic schedule to turn travel notifications off and on. | Card Sentry monitors card usage outside Kansas and the adjoining four states as an anti-fraud measure. When you travel outside these five states and intend to use your DSB debit card, login to DSBconnect and enter your traveling dates, destinations, and major stops along the way. This reduces abnormal activity flagging for legitimate travel and ensures the card continues working for you. If you routinely travel to the same locations, you can set up an automatic schedule to turn travel notifications off and on. | ||
| Usage alerts: | Yes, for any approval, decline or both. Sent by email, text or both. Set up yourself in DSBconnect > My DSB Visa Debit Card > Manage or contact DSB. | Yes, for any approval, decline or both. Sent by email, text or both. Set up yourself in DSBconnect > My DSB Visa Debit Card > Manage or contact DSB. | Yes | Yes |
| Mobile wallets: | Apple Pay/Apple Wallet, Google Pay/Google Wallet, Samsung Pay, Fitbit Pay, Garmin Pay. | Apple Pay/Apple Wallet, Google Pay/Google Wallet, Samsung Pay, Fitbit Pay, Garmin Pay. | Yes | Yes |
| Other fees if applicable: | DSB will charge its cardholders $1 per transaction if used at a non-DSB ATM, with the exception of cards funded by a Beyond checking account. DSB will charge non-DSB cardholders $2 per transaction when used at any DSB ATM. | DSB will charge its cardholders $1 per transaction if used at a non-DSB ATM. DSB will charge non-DSB cardholders $2 per transaction when used at any DSB ATM. | No annual fee. See application for any other fees if applicable services is used. | See application for full fee disclosure. Certain restrictions and limitations apply. |
| Rewards: | No | No | Platinum Preferred cardholders earn one point for every dollar spent. You may redeem earned points for gifts. There is no cap to how many points you can earn. See Platinum Preferred Benefits and browse the Rewards site. | No |
| Visa Zero Liability: | Yes | Yes | Yes | Yes |
| Other features: | All mentioned above. | All mentioned above. | Auto rental insurance, travel accident insurance coverage. | Preset spending limits for each employee cardholder. Quarterly reports itemize business expenditures. Also: purchase security, extended warranty protection, auto rental insurance, travel and emergency services, travel accident insurance. (Certain restrictions and limitations apply. |
Visa Debit Card:
DSB Visa Debit Cards can be used for purchases and ATM withdrawals. The blue DSB debit cards are issued on personal checking accounts, and the green DSB debit cards are issued on business/commercial checking accounts. The transaction amount is quickly and safely debited from your linked DSB checking account. You potentially save money when you use your free debit card compared to checks you may have to purchase. Unauthorized charges are protected by Visa's Zero Liability Guarantee.
To minimize card fraud risk, the bank uses the CSI Card Sentry service to monitor authorization activity and transactions that are "outside the norm" of a card holder's usage trend. If a transaction is made that is outside the norm of regular use, you may receive a phone call from CSI Card Sentry, confirming authorization validity. Card usage could be blocked if transactions are outside normal activity. The best way to avoid this is to let DSB know of any large or unusual purchases you plan to make with your card, and to let us know ahead of time when you will be traveling outside the Midwest U.S. region (and all foreign travel) and using your card.
Disclosure: Non-Visa Debit Transaction Processing
Visa Credit Card: apply for Consumer / apply for Business
The Visa Credit Card, available to both consumers and businesses, is underwritten and supported by Bankers Bank of Kansas (BBOK) and branded with the DSB name and logo. It is accepted around the world wherever you see the Visa emblem. Payments can be made online, phone, Bill Pay, ACH autopay, and mail. Unauthorized charges are protected by Visa's Zero Liability Guarantee.
Denison State Bank does not provide customer assistance on these credit cards. Customer assistance is available by calling 1-844-386-8276,
* Take charge when you charge. Read credit card basics >
ATM Card
This card can be used for ATM transactions only (not point of sale purchases) on DSB checking and savings accounts. Use this card for transactions at Denison State Bank ATMs or at any ATMs around the world. Use it for cash withdrawals, funds transfers between DSB accounts, and balance inquiries.
What's the difference between a credit card, debit card and prepaid card? Find out here >
