Debit Card Services

A Better Way to Pay!

Use your Debit/Check card for all your purchases 24/7.

There's no need to pay outrageous credit card interest just to have the convenience of a credit card. The Calhoun Banks Debit MasterCard® works wherever MasterCard® is accepted. Debit cards are safer than carrying cash and faster than writing a check. Make cash withdrawals, pay bills and get relief from high interest rates using your credit cards. 

Traveling around the United States or out of the country?
Please contact us at 304-354-6106 and let us know in what states or countries you plan to use your debit card so we can ensure uninterrupted and complete card service.


It's Your Money 

Although your debit card looks like a credit card, it acts like a check with purchases conveniently and safely deducted from your checking account. Every purchase will be listed on your checking account statement.


What Are the Benefits?

  • Free Card - No Monthly Fee
  • Surcharge Free ATM Withdrawals at  & 

    TopNet

    & Most Sheetz Stores & Calhoun Banks ATMs
  • Surcharge Free PIN-Based Purchases
  • Surcharge Free Cash Back Transactions
  • Surcharge Free Signature Based Program
  • Free Purchase Rewards Program
  • Free Replacement Card Every 3 Years

*Extra replacement cards $10
*Other account fees and foreign ATM fees apply


MasterCard's Zero Liability if Your Card is Lost or Stolen

With MasterCard's Zero Liability you have peace of mind knowing you are not responsible for fraudulent uses of your account. If you promptly notify us about an unauthorized transaction involving your card and the unauthorized transaction took place on your MasterCard®

branded card, including any PIN-based ATM or POS transactions, zero liability will be imposed on you for the unauthorized transaction. In order to qualify for the zero liability protection, you must have exercised reasonable care in safeguarding your card from the risk of loss or theft and, upon becoming aware of such loss or theft, promptly reported the loss or theft to us.

If your card is lost or stolen. Simply report the loss or theft as soon as possible by calling
1-800-500-1044 to deactivate the card then call Calhoun Banks at 304-354-6106 to have a replacement card issued.


If your debit card is blocked for possible fraud, you can call 800-369-4887 for after hours support. 

How Do I get a Debit/Check Card?

Stop by any Calhoun Banks location to request a Debit MasterCard®. Remember, you must have a checking account with us to receive a Debit MasterCard®. Your card will be mailed to you within ten business days. You will need to call the phone number that came with the card to activate it - just like a credit card activation.


How do I make purchases with a Debit Card?

Just swipe your card at any merchant accepting MasterCard® and enter your PIN or sign for your purchase. It's as easy as that. You may also use your card for online or phone-based purchases by simply following the instructions provided.


What's the difference between Debit and Credit when making a purchase with my card?

At check out merchants may ask you to select 'debit' or 'credit'. When choosing 'debit', you will have to enter your PIN to complete the transaction. When choosing 'credit', you will sign the receipt. With either choice, your purchase is deducted from your checking account.

Please see the Schedule of Fees for additional charges that may be applicable.