FAQs

Debit Cards

What type of Debit cards does Carson Bank Offer?

Carson Bank offers Contactless MasterCard® Debit Cards.

What is a Contactless Chip Debit Card?

A Contactless Card, also known as tap, to pay, is a Debit Card which enables close-range transactions. A consumer holds the payment card near a point-of-sale terminal equipped with the technology.

What are the benefits of having a Contactless Card?

Contactless Debit Cards give you the ability to check out quick and easy with the tap and go. You will also avoid touching surfaces and it only takes seconds, which is quicker than swiping or inserting a chip card. The card also provides the advanced encryption which provides additional security.

How do I pay with my Contacless Card?

Even though they are referred to as “tap and go” it works best when your Contactless Chip Card is held flat over the Contactless-enabled card reader within one or two inches of the Contactless symbol. Once the transaction is approved you will receive confirmation, usually a beep, green light, or check mark.  Depending on the merchant, you may be asked to sign for the purchase or to enter your PIN.

Can I use my Contactless Card on payment readers that do not display the Contactless logo?

If the store does not have a Contactless reader, you can still use your Contactless Card by swiping or inserting your card.

Are Contactless transactions secure?

Yes. Contactless payments provide secure encryption technology, generating a transaction-specific, one-time code, that is extremely effective in reducing counterfeit fraud. The code is different than the code encoded on the magnetic stripe and only provides this enhanced security if it is inserted or tapped at the enabled terminal.

What benefits do I get with Contactless MasterCard® Debit Cards?

MasterCard® ID Theft Protection provides detection and protection against identity theft, including monitoring, alerts, and expert resolution 24/7/365. Benefits are included for no additional charge. Visit MasterCard Plus Identity Protection to activate your free Mastercard® ID Theft Protection once you have received and activated your card.

How long does it take to receive a Debit Card?

Carson Bank offers instant issue consumer Debit Cards at our Main Bank location. Once printed, the card can be requested for pickup at any location. Otherwise, cards can be mailed and take 10-14 business days for delivery. For a Business Debit Card, there is a fee for instant issue.

How can I add Debit Card Transaction Alerts?

Through Online Banking, “Account Alerts” is a navigation option, and there is a selection for Debit Card Alerts. You can choose the type of alert you wish to receive.

Can I change my PIN number for my Debit Card?

There are two options to change your PIN # for your Debit card: if you know the current PIN # 1) Call 1-888-227-3096, or 2) Come to any one of our Carson Bank branches and a representative will assist you in changing your PIN #.

What are the limits on my Debit Card?

You may purchase up to $3,000.00 worth of goods or services in any one day utilizing your debit card and withdraw $500.00/day cash at an ATM.

Where are Carson Banks ATMs located?

Carson Bank offers an ATM at each of its four locations and also offers free access to one of the largest ATM networks in the Midwest. You can access Ultra SF locations by searching here.

I am currently traveling and my card was declined. Why?

Carson Bank has fraud monitoring in place on debit cards to help protect customers from potential fraud on their cards. If you will be traveling, please take a moment to contact Carson Bank and we will place the dates and locations on our system so you will not experience any interruption of service.

Lost or Stolen Debit Card Information

What should I do if my debit card is lost or stolen?

Call Carson Bank, immediately, at 316-777-1171. If your card is lost or stolen and Carson Bank is closed, dial 1-877-226-2351 or 1-888-227-3096 and the processor will close your card. If your card is stolen and fraudulent transactions were run against your debit card, before the debit card was closed, contact Carson Bank and a Customer Service Representative will instruct you on the necessary steps to take.

Does Carson Bank take steps to notify me of possible fraudulent transactions on my debit card?

Yes, Carson Bank utilizes a method to help protect cardholders by immediately alerting them of potential fraud on their cards. Carson Bank will use SMS Text Messages, Voice Mail, or Email alert notifications to notify cardholders. You will be prompted to respond to us.

Online/Mobile Banking

How do I enroll in Online Banking Bill Payment?

Account holders can enroll in online banking directly from a link on our home page of Carson Bank. Multiple account holders, like business accounts, can access online banking through the Secondary User option. This can be maintained by a primary user.  Both of these services come with Bill Payment as an option.

Is there a cost for Online Banking and Bill Payment?

Personal Online Banking and Bill Payment is offered at no charge. Online Banking for business accounts have the same features of Personal Online Banking. Business Online Banking may have fees associated if utilizing features to pay employees by direct deposit or making multiple collections or payments.

What do I do if I have forgotten my online banking password?

Account holders can go to the Login page and click the link that says “Forgot Your Password?” and it will walk you through resetting your password. If you have trouble or are a Business account holder, you may contact a Customer Service Representative for assistance at 316-777-1171.

How do I enroll in Mobile Banking and Mobile Deposit?

Download the Carson Bank Mobile App from either iTunes for iPhones or Google Play for Android devices. One of the features that can be utilized with Mobile Banking is to make a deposit by taking a photo of the check and depositing through the App. These products are offered at no charge.

I log into Online Banking and receive a Secure Authentication Message. What does this mean?

This is an additional layer of security. You will be asked to select a phone number, listed on the screen, where you will be contacted either by text message or email (You may need to check your spam folder to received an emailed authentication code). You will be given a security code that you will need to enter in order to proceed.

How can I enroll in Account Alerts?

Through Online Banking, “Account Alerts” is a navigation option. You can set up personal alerts to be notified for various things such as your account reaches a minimum or maximum balance,  a transfer is made, a certain check clears your account, pending transactions, Debit Card purchases, or a certificate of deposit has matured.

How do I set up Text Banking Alerts?

From within your online banking, go to the navigation options and choose Text Banking to create the type of information you would like. You can text 44660 with certain account requests:

  • Sum – receive summary information for enabled accounts
  • Bal – receive balances for enabled accounts
  • Msg – send a message directly to a bank contact

How can I initiate an account transfer?

Visit the “Transfer” tab through Online Banking, indicate the “to” and “from” account you wish to transfer funds. You can choose a specific amount and choose the date(s) for the transfer. External Account relationships can be created through “External Transfer Setup” under the Transfer tab.

Is there a way I can access my statements without receiving a paper copy?

Yes! If you are enrolled in our Online Banking system, you can change your delivery method. Once logged into Online Banking, click on “Accounts” then “View Statements and Notices” agree that you have read the Terms/Agreements, then click the Accept button. From here, you can choose the accounts you wish to receive paperless statements for. This action will require you to verify your email with Carson Bank Online Banking for notification purposes.

Apple Pay/Google Pay

What does the setup process involve for Apple Pay?

The cardholder can add their card in a few easy steps.

  1. Open Wallet and tap the plus sign.
  2. Position your card in the camera frame to automatically enter your card information.
  3. Enter the security code found on the back of your card, and fill in any remaining fields.
  4. You may also be prompted to call in and verify your identity.

In the event you are prompted to call to verify your identity, you may be asked to provide information such as name, date of birth, last four digits of your Social Security Number, addresses, and to answer several Out of Wallet security questions.

How does Apple Pay secure the transaction?

With Apple Pay, instead of using your actual debit card number when you add your card, a unique Device Account Number is assigned, encrypted, and securely stored in the Secure Element, a dedicated chip in iPhone or iPad. When you make a purchase, the Device Account Number, along with a transaction-specific dynamic security code, is used to process your payment. So your actual debit card number is never shared by Apple with merchants or transmitted with payment. And unlike credit cards, on iPhone and iPad every payment requires Touch ID or a passcode— so only you can make payments from your device.

How does Google Pay secure the transaction?

Google Pay uses a security provision and utilizes the Cloud to secure token services. Google Pay does not store the account or card numbers on the device, instead they use a token code for transactions. Each time a purchase is made, the Google Pay handset sends two pieces of data to the payment terminal. The first is a 16-digit token that represents the debit card number, while the second piece is a one-time code or cryptogram that’s generated by the phone’s encryption key.

What if the cardholder loses their Samsung phone?

Google Payments can’t be made from your phone without being authorized via fingerprint or the PIN chosen during the setup process. If they register with Samsung’s Find My Mobile service, they can remotely erase information on the phone, including any cards stored in Google Pay.

What does the setup process involve for Google Pay?

Add your card issuer to Google Pay device in five easy steps:

  1. In the Google Pay app on their device, touch the + 0sign to add a credit or debit card to pay using the phone device.
  2. Position the credit/debit card in the camera frame to automatically enter the card information.
  3. Enter the security code found on their card and provide additional information as required.
  4. Accept the terms of service and set their screen lock. (Activating Device Administrator is part of the Google Pay setup process.)
  5. If requested, follow any additional steps to verify their card.

What if the cardholder loses their Android phone?

If their Android device becomes lost or stolen they can use Android Device Administrator to lock it remotely, create a new password, and wipe their personal information from it. We also recommend they notify their mobile carrier and promptly call the customer service number on the back of their card. They should mention they added their card to Google Pay, so the card issuer can disable the card for use with Google Pay. If they locate their device, they will need to add their card back to Google Pay before making any Google Pay purchases.

Identity Theft

What are some sources to help when I have been a victim of identity theft?

You may visit any or all of these sites for information to help when you have been a victim of identity theft:

Federal Trade Commission

Social Security Administration

the United States Department of Justice

What are some things I can do to help prevent identity theft?

  1. Inspect your credit report. Credit reports contain information about you, including what accounts you have and your bill paying history.
    • The law requires the major nationwide consumer reporting companies – Equifax, Experian, and TransUnion – to give you a free copy of your credit report each year if you ask for it.
    • Visit Annual Credit Report or call 1-877-322-8228, a service created by these three companies, to order your free credit reports each year.
      You also can write: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA. 30348-5281.
  2. Inspect your financial statements. Review financial accounts and billing statements regularly, looking for charges you did not make

Overdraft Help

What do I need to know about protecting myself from overdrafts?

New payment systems mean new and faster clearing of checks. “Float” – the time between making the payment and when the money is removed from your bank account, has been substantially reduced. What used to take 3-7 days can now be done in hours. The best advice: To avoid bounced checks and overdraft fees, make sure you have enough money in your account when you initiate a payment. Good account management is the key to avoiding bounced checks and overdrafts.

What are some overdraft protection measures I can take?

  • Carrying a Cushion – Making sure you have more money in your account than you will spend is the best way to avoid overdrafts.
  • Monitoring Your Balance – When in doubt about a payment, check to see if you have the money to cover it. Keep up-to-date records of your payments. You can easily check your account by phone, ATM, or online. Knowing your personal balance and what transactions have been authorized but have not yet cleared your account are very important to know in avoiding overdrafts.
  • Establish a savings account or line of credit – Carson Bank offers savings accounts and/or lines of credit that may be used to avoid overdraft fees. A savings account can be tied to your checking account and automatically transfer funds to your checking account in the event it becomes overdrawn. A small $2 fee is assessed, but saves you larger overdraft fees. A line of credit may also be established to automatically transfer to your checking account. You would need to qualify for a line of credit and interest would be assessed.

Please contact any of our customer service representatives M-F from 8am-5pm for further details.

General Banking FAQs

If I make a deposit on Saturday, when will my funds be available?

With our updated processing system, funds for deposits are available immediately, but still subject to further collection or crediting provisions. If the bank feels that funds availability is to be delayed, you will be notified near the time of the transaction and with a written notification.

Equifax Breach

What do I do if there is an Equifax Breach?

What to do for situations like the Equifax breach.

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