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Card FAQs

  • Debit Card FAQs

    What do I do if my card is Lost or Stolen?
    Report your lost or stolen debit card immediately by calling 512-321-2561 or 1-866-546-8273 after banking hours.

    When do I get my debit card?
    Once approved, your debit card is printed while you wait!

    If I select the “Credit” option for a purchase do I incur debt?
    The card works the same for purchases whether you select the “debit” or “credit” option. You must subtract the amount of your purchase from your checkbook.

    What is the difference between selecting “Credit” or “Debit”?
    If the transaction is processed with the “Credit” option your signature is required. If the transaction is processed with the “Debit” option you are required to input your PIN.

    Is there any reason I would ever want to use the “Debit” option?
    If you want cash back over the amount of your purchase, you would have to press “debit” or “ATM” and then enter your PIN.

    Are the funds withdrawn from my checking account immediately?
    No. Once the purchase is authorized, that amount is held against your current balance until the transaction comes through. It will be deducted from your account within two or three days for a signature (Credit) transaction, or within the same business day the PIN (debit) transaction was made. For card transactions, a Business day is a regular calendar day, Monday through Sunday, and resets at the end of each day at midnight CST for dollar and transaction frequency limitation purposes.

    What are my daily transaction limits?
    Consumer Cards: You may use your Mastercard® Debit Card and your personal identification number (PIN) to get cash withdrawals from an ATM up to a maximum of $1,000 per calendar day. Some ATM terminals may have additional restrictions on the withdrawal amounts permitted.

    You may use your Mastercard Debit Card with or without your PIN for Point of Sale (POS) transactions, including those transactions in person, by phone, or by computer from participating merchants. You may not exceed more than $2,000 in POS transactions per calendar day.

    Your total limit per day using your Mastercard Debit Card is $3,000.

    Business Cards: You may use your Mastercard Debit Card and your personal identification number (PIN) to get cash withdrawals from an ATM up to a maximum of $1,000 per calendar day. Some ATM terminals may have additional restrictions on the withdrawal amounts permitted.

    You may use your Mastercard Debit Card with or without your PIN for Point of Sale (POS) transactions, including those transactions in person, by phone, or by computer from participating merchants. You may not exceed more than $6,000 per calendar day.

    Your total limit per day using your Mastercard Debit Card is $7,000.

    For both Consumer and Business Cards, there may be additional limits on your card if suspected fraud or abuse occurs.

    Can merchants place a hold on my account for more than the amount of my purchase?
    Yes. Some merchants such as hotels, airlines, restaurants, pay-at-the-pump gas stations, bar tabs, and car rentals to name a few, may preauthorize your account for an amount greater than the purchase price. The preceding list does not include all merchants that may preauthorize your account, so you may want to clarify with the merchant prior to making the purchase. However, the merchant should not charge your account an amount different from your actual purchase. If this is done, please contact the merchant immediately.

    How long are preauthorizations held against the balance of the account?
    They are held up to three (3) business days.

    For further information about your Card, please refer to your Debit Card Agreement.

  • Gift Card FAQs

    What does it cost to get a gift card?
    The cost is $5.00 per gift card, plus the card issue amount.

    Can a card be issued for any dollar amount?
    There is a dollar amount limit per card. A gift card can be issued for a minimum of $25.00 and a maximum of $500.00.

    Do I need to do anything before using the card?
    You must activate your VISA® Gift Card before attempting to use it. To activate, call the automated customer service line toll free at (800) 418-3971 or click here to register online.

    Does my VISA® Gift Card expire?
    Yes, the card expires after 7 years.

    Where can the gift card be used?
    Your VISA® Gift Card can be used to purchase items at participating merchants where Visa is accepted as a debit with PIN or with the credit option. It may be used at an ATM to withdraw cash using the “Checking” option. Stored Value Gift Cards cannot be used to obtain cash advances from financial institutions.

    How do I check my balance?
    You can check your available balance by doing a balance inquiry at an ATM, by calling the automated customer service line toll free at (800) 418-3971, or by logging onto https://www.onlinecardaccess.com/vistibgift and go to the View Card Activity page.

    Can the card be reloaded?
    No, the card can not be reloaded.

    What do I do if my card is lost/stolen?
    Contact a Customer Service Representative at the bank immediately to report the card as lost/stolen. Another card will be issued for the balance remaining on the lost card. The fee to replace a lost card is $5.00.

    What do I do if there is a problem with a transaction?
    TIB handles all gift card disputes for the bank. Contact a representative at 1-800-418-3971.

    Fees and Charges for Use of Gift Card
    Monthly service fee after 12 months of continuous inactivity $2.50
    Replace lost card $5.00
    Obtain funds by Check $15.00