Consumer Card Services

Providing you with options to meet your financial needs and lifestyle. In addition to making purchases, some cards provide the ability to earn rewards!

 

EMV Debit Card

One card does it all when you use the Community Bank EMV Debit Card that has the power of Visa®. You can use it just like a check by presenting it at the time of purchase. The amount is deducted automatically from your checking account. Typically you will receive a receipt for record keeping, and each transaction is detailed on your monthly checking account statement. You can also use your Community Bank EMV Debit Card at an ATM for quick access to cash.

When using your EMV Debit Card, if the retailer has a chip-enabled terminal, simply insert your card face up. The card will remain in the terminal while the transaction is processed; removing your card before you are prompted can disable your card. Before removing your card, you will be prompted to enter your PIN or provide a signature to verify the transaction. If the retailer does not have a chip-enabled terminal, swipe your card through the merchant terminal and enter your PIN, just as you do at an ATM

Community Bank offers two different debit cards for consumer accounts - EMV Debit Card and Heath Savings Account EMV Debit Card.

Money Pass

MoneyPass is the nationwide surcharge-free ATM network operated by Elan Financial Services. With more than 23,000 surcharge-free ATMs and 60 million cardholders, there are plenty of benefits for you. Locate a MoneyPass ATM near you by downloading the app or directly go to their website.

 Apple App Store           Google Play           MoneyPass    

Card Valet

Alerts help you play it safe. Payment cards offer both convenience and risk. CardValet manages the risk by allowing you to define when, where and how your cards can be used.

  • Receive alerts whenever your payment cards are used
  • Establish transaction controls for dollar amount limits, merchant categories, transaction types and geographic locations
  • Safeguard your cards: turn them “off” if they’re misplaced or stolen and back “on” when you’re ready to use them

Tips for Using Your Cards Responsibly

Upon receiving your new card, you will be required to activate the card. You can do this by calling the number listed on the card or making a withdrawal at an ATM. You will also set up your pin while you are activating your card.

  • Keep your PIN private. Memorize it and don’t write it down. Never tell it to anyone.
  • Always take sales receipts. They contain valuable information you may need later.
  • Know your daily card limit. This limit is set based on your normal spending habits to protect you in the event that your card is lost or stolen. If you will be making larger purchases or traveling out of the country, please contact a personal banker to ensure that your purchases will be processed correctly.
  • Lost or Stolen. Contact us immediately. This will limit your liability in case of fraudulent use of your card.  

     St. Andrews Drive Mankato  (507) 385-4444
     Madison Ave Mankato  (507) 385-2840
     Vernon Center  (507) 549-4400
     Amboy  (507) 674-4420
     Weekends or Evenings  (800) 472-3272

     

Consumer Credit Cards

Choosing the right credit card is easier than ever. No matter which card you choose, you enjoy important features like EMV smart chip technology for added security, mobile purchasing capability for added convenience, and much more! Services are provided by Elan Financial Services. Click on the cards types below to learn more.

 

1 Reward points can be redeemed as a cash deposit to a checking or savings account with this Financial Institution or as a statement credit to your credit card account within one to two billing cycles. 2 Cash Rewards Card: “Cash Back Rewards” are the rewards you earn under the program. Cash Back Rewards are tracked as points and each point in Cash Back Rewards earned is equal to $0.01. You may simply see “Cash Back” in marketing material when referring to the rewards you earn. You will earn 1 Reward Point (“Point”) for each dollar of eligible Net Purchases charged to your Account during each billing cycle. You will also earn 1 additional Point (for a total of 2 Points) for each dollar of eligible Net Purchases charged to your Account during each billing cycle for any merchant classified as a supermarket. The number of additional Points earned on supermarket Purchases is unlimited. In addition, you will earn 2 additional Points (for a total of 3 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified in any of the following merchant category codes: automated fuel dispensers and service stations, up to a maximum of $6,000 spent during each 12-month period commencing on the anniversary date of this Account. Automated fuel dispenser and service station purchases above $6,000 (for the remainder of that 12-month period) will earn at a rate of 1 Point for each dollar of Net Purchases charged to your Account during each billing cycle. Points expire five years from the end of the quarter in which they are earned. 3 Bonus rewards points or cash back will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances. One-time bonus rewards will be awarded after eligible net purchases totaling $1,000 or more are made to your account within three months from account opening. 4 The Elan Rewards Program is subject to change. Rewards are earned on eligible net purchases. Net purchases are purchases minus credits and returns. Not all transactions are eligible to earn rewards, such as Advances, Balance Transfers and Convenience Checks. Upon approval, see your Cardmember Agreement for details. You may not redeem Points, and you will immediately lose all of your Points, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death). 5 Real Rewards: You will earn 1.5 Reward Points (“Points”) for each dollar of eligible Net Purchases made with your Account within a billing cycle (equal to 1.5% cash back). Monthly net purchase points will be applied each billing cycle. Points expire five years from the end of the quarter in which they are earned. 6 Premier Rewards Card Points: You will earn 1 Reward Point (“Point”) for each dollar of eligible Net Purchases charged to your Account during each billing cycle. You will also earn 1 additional Point (for a total of 2 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchants which categorize their business as a service station or automated fuel dispensers. You will earn 2 additional Points (for a total of 3 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified in the merchant category code of airlines. You will earn 3 additional Points (for a total of 4 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at any merchant classified as a restaurant. Points expire five years from the end of the quarter in which they are earned. 7 Certain limitations and restrictions may apply. Further details are available in the Guide to Benefits which is provided to new cardmembers upon approval. 8 Late payments and going over the credit limit may damage your credit history. The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc. and American Express. American Express is a federally registered service mark of American Express.

 

Gift Cards

The Community Bank Visa Gift Card is the ideal gift for anyone, for any occasion! Recipients can choose their perfect gift themselves – from clothes to music, movie tickets to dinner and much more. Plus, it’s safer than cash. Additional features of the prepaid Visa Gift Card include:

  • An all-occasion gift: use if for birthdays, holidays, weddings, graduations and more
  • Visa acceptance – welcome everywhere Visa Debit Cards are accepted
  • Choice: unlike store gift cards and gift certificates, you can use it almost anywhere (includes online and mail order purchases)
  • Available in any denomination: You specify, from $25 - $1,000.00
  • Fee for purchase 

 

 

 

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