iStock_000008738023SmallYou can now have convenience at your fingertips.

Take a few minutes to read below about the benefits your card provides. An automated teller machine (ATM) card can be used with a personal identification number (PIN). A debit card can be used with a PIN or at a Visa Debit or MasterCard location without a PIN.

What Your Card Will Do

Your card allows you to receive cash, make deposits, request your balance, and transfer money between your checking and savings accounts. Your card can also be used at stores to make purchases. When you use your PIN, some stores will even allow you to receive cash back.

How to Use Your Card at an ATM

Most ATMs operate using the same basic steps. Each terminal screen will provide easy-to-follow instructions. The basic steps include:

  • Insert your card into the terminal or “swipe” it through the card reader.
  • Enter your PIN
  • Select the type of transaction you wish to make.
  • Select the type of account
  • Select or type in the transaction amount.
  • Remove your cash from the cash slot or place your deposit envelope in the terminal.
  • Select additional transactions if you wish.
  • Remove your card and take your receipt with you.

How to Use Your Card for Purchases

Your ATM or debit card can be used at retail locations with a PIN. During the transaction some stores may allow you to request cash back.

Your debit card can also be used without a PIN at Visa Debit or Debit MasterCard locations. Instead of using your PIN, you can sign a receipt for the transaction; however, the money is taken directly from your bank account. The store associate will be able to assist you during this process.

Where to Use It

Your card can be used at ATM and retail locations around the world. To identify where you can perform a transaction, match any logo on your card to the ATM or Point-Of-Sale logos at the terminal. For a complete list of Exchange Bank of Northeast Missouri ATMs, click here.

money_pass_logoIn addition, having an Exchange Bank of Northeast Missouri debit card gives you access to our MoneyPass network of fee free ATMs around the world. Click here to find the MoneyPass ATM closest to you. If you plan on using your card while traveling, we recommend calling the bank before you leave in order to prevent possible security issues that may arise when using your card.

Lost or Stolen Debit Card

To report a lost or stolen debit card, please call (660) 727-3344 Monday through Friday 8:00 am – 5:00 pm and Saturday 9:00 am – noon. After business hours call (800) 264-5578.

Debit Card/ATM Disputes

To report an unauthorized debit card transaction or an incorrect ATM transaction, please call:

Dispute Processing Call Center:
Hours of Operation: 7:00 am to 7:00 pm CST, Monday thru Friday (excluding holidays).
Telephone number: 1-866-987-1457
Fax Number: 1-866-616-1581
Mailing Street Address: 1255 Corporate Drive, Irving, TX 75038

Verified by Visa


The Verified by Visa service is an innovative service provided by Exchange Bank of Northeast Missouri offering secure Internet shopping, using your preferred form of Internet payment – Visa debit or credit card. The Verified by Visa service lets you add a personal password to your existing card, getting added security and the reassurance that only you can use your card online.