Debit/ATM Card Services

Debit Cards

NBDC provides debit cards upon application to qualified individuals who have a checking account in good standing with us. If you are opening new checking account, we will perform a credit check before issuance. If you do not qualify for a debit card at first due to credit problems, we invite you to reapply in 90 days so that we may consider three months of account history before issuing a card. If you are refused a card, you are invited to apply for an ATM card, which will be issued for your convenience until you can qualify for a debit card. With debit cards, you are limited to withdrawals of $400.00 per day, and there is a charge of $1.00 per transaction at ATMs we don’t own. There is no charge for withdrawing with an NBDC card at an NBDC ATM. There is also a limit of $1,500 per day for Point of Sale transactions. These limits may be changed upon the request of the cardholder and at the discretion of the bank. Should you lose your card, please report it to NBDC during business hours at 607-865-4126. After hours, please call 1-800-528-2273.

Debit cards may be used either at an ATM to receive cash (a debit transaction) or in retail businesses to make purchases (a credit transaction). Remember to choose “credit” when using your debit card in a retail situation. This saves you from being charged by the store; the store’s bank; and our bank.

Debit Cards

ATM cards are mainly used to procure cash at our and other banks’ ATMS nation and world-wide. You may change your PIN number to any four-digit number by going into the NBDC office closest to you. From time to time, you will find businesses which will accept an ATM card to make a Point of Sale Transaction. ATM cards are limited to $400 cash at an ATM and $1,500 for Point of Sale transactions per day. Should you lose your card, please report it to NBDC during business hours at 607-865-4126. After hours, please call 1-800-528-2273.

Credit Cards

Our credit cards are offered through 5-Star Bank, with a fixed rate of 2.9% for the first six billing cycles, after which a fixed rate of 9.9%, 11.9%, 13.9%, 16.9% or 18.9% will apply, depending upon the review your credit report and verification of your credit responsibilities. If you fail to make the minimum payment during two consecutive billing cycles, all APRs in your credit card account may increase to a fixed rate of 21% on all balances. This disclosure information is accurate as of April 16, 2007, and information may have changed since that date. Please call 1-888-277-0444 or write to PO Box 35460, Colorado Springs, CO 888-935-3546. There is no annual fee for the card.

Prepaid Debit Cards

Prepaid debit cards may be purchased at any office of NBDC. The cards may be loaded with anywhere from $25-$500, and cost $6.99 above face value. These cards may only be used in a Point of Sale transaction – they may not be used at ATMS or for cash advances, and they cannot be reloaded. Travelgift

We also offer prepaid debit cards that can be loaded with $250-$9,999, and may be reloaded three times. Original cost is $9.95 above face value, and subsequent loads will cost $5.95. This card can be used as a point-of-sale tool or at an ATM to get cash. Travelgift