FAQ - ATM / Debit Cards
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ATM / Debit Cards
Can I get an ATM/Debit card with my Premier Bank account?
Yes! Checking account customers can request a Premier Bank Visa® ATM/Debit card. Your card can be used at ATMs, and at any merchant who accepts Debit Visa cards. Existing checking account holders can come into any branch, or call our Customer Care Center to request a new, or replacement, card.
How long does it take to receive an ATM/Debit card in the mail?
Generally, you will receive your new or replacement ATM/Debit card in the mail within 5 – 10 business days after requesting one. If you need your card quicker, please ask about expedited options.
How will my ATM/Debit card and PIN be delivered?
Your ATM/Debit card will be delivered by the United States Postal Service to the address you specify.
- If this is a new card order (new ATM/Debit card number) PINs will be issued, in a branch, at the time of card order. Premier Bank allows the customer to choose their PIN, at a later time, using any touch-tone phone
- If you are requesting a replacement card (existing ATM/Debit card number) your existing PIN will work with the replacement card. To change your PIN on an existing card, visit any Premier Bank location.
What are the fees to use an ATM?
You can use your Premier Bank Visa card at any Premier Bank, or Publix ATM. Using an ATM outside of Premier Bank will result in a charge of $1.50 by Premier Bank plus any surcharge assessed by the ATM owner. We offer several free checking accounts with Free Nationwide ATM refunds.
What are the daily withdrawal and purchase limits on my ATM/Debit card?
You can withdraw up to $400.00 in cash per day, and signed purchases can be up to $2,000.00 per day with your ATM/Debit card. If you need to make a purchase above your limit, please call our Customer Care Center to discuss your options.
What should I do if I lose my debit card?
If you believe your debit card or credit card has been lost or stolen, please report it immediately by calling us at (850) 386-2225. If you've lost your card after business hours, please call our 24-hour Customer Service Center at (850) 504-0478 and press 4.
What are your recommendations for protecting your Debit/ATM card?
- Always protect your ATM card and keep it in a safe place, just like you would cash, credit cards or checks.
- Do not leave your ATM card lying around the house or on your desk at work. No one should have access to the card but you. Immediately notify your bank if it is lost or stolen.
- Keep your Personal Identification Number (PIN) a secret. Never write it down anywhere, especially on your ATM card. Avoid using PIN numbers that are easily identifiable.
- Change your PIN periodically, and, if you think it may have been compromised, change it immediately.
- Never give any information about your PIN number (including the police, bank employees, etc.).
Do I need a secret code, or PIN to use my debit card in stores?
Your secret code, or PIN is required when you are using the card to perform a point-of-sale (POS) transactions and when you are at an ATM. However, your Debit card can function exactly like a credit card and then only your signature on a sales slip is required.
Does my debit card ever expire?
Yes, the card expires every four years and a new one is automatically reissued and mailed to the current mailing address on file. This ensures that the magnetic stripe on the back will not wear out and prevent the bank or merchant's equipment from accessing your funds.
Is debit card better than using check?
Cash stored on a debit card is available immediately. To cash a check, the recipient's bank usually puts the money on hold for at least a few days, and often a few weeks, until the check "clears".
Where can I use my card?
You can use your card anywhere that you see the Visa™ brand marks, that identify debit cards are accepted. To make a cash withdraw at an ATM or bank teller window, some surcharge fees charges may apply depending on the Bank or ATM you choose. All Premier Bank and Publix ATMs are free. We have several checking accounts that offer Free Nationwide ATM usage.
ATM Safety
What special precautions should I taken when using an ATM?
- Be aware of your surroundings, particularly at night. If you observe or sense suspicious persons or circumstances, do not use the machine at that time.
- Have your ATM card ready and in your hand as you approach the ATM. Don't wait to get to the ATM and then take your card out of your wallet or purse.
- Be careful that no one can see you enter your PIN at the ATM. Use your body to "shield" the ATM keyboard as you enter your PIN into the ATM.
- To keep your account information confidential, always take your receipts or transaction records with you. Make sure you retain your transaction receipt. Do not throw the receipt away at the ATM site.
- Do not count or visually display any money you received from the ATM. Immediately put your money into your pocket or purse and count it later.
- If you are using a drive-up ATM, be sure passenger windows are rolled up and all doors are locked. If you leave your car and walk to the ATM, lock your car.
- Regularly check your account balance and bank statements and report any discrepancies immediately.
What special precautions should I take when using an ATM at night?
- Park close to the ATM in a well-lighted area.
- Take another person with you, if at all possible.
- If the lights at the ATM are not working, don't use it.
- If shrubbery has overgrown or a tree blocks the view, select another ATM and notify the bank.
What is the bank's role in protecting my Debit/ATM card?
To ensure customer safety at ATMs, banks are putting ATMs in areas that are visible by passers-by, trimming landscape to prevent potential criminals from hiding, and installing or upgrading lighting that is bright enough for use at night. Some banks also have installed cameras, rear-view mirrors, panic buttons and special signs. And most banks limit the amount of cash that can be withdrawn on a daily basis.
What is my role in protecting my Debit/ATM card?
Bank customers should always use common sense when using an ATM. These tips are a start, but the best advice is simply not to use an ATM if you feel at all uncomfortable doing so. ATMs provide convenience, buy they haven't replaced the bank teller. If you prefer, conduct your business in the bank lobby. Exercise care when using an ATM, and follow these general rules below under "ATM Safety".
