Debit & Credit Card Services
Banterra offers the convenience of American Express®, Visa® Debit and Credit Cards, all with a variety of great features including EMV smart chip technology. We also provide products that enhance the use of your cards by offering additional security and convenience for online shopping plus simple payment options from a mobile devise.
Visa Debit Card
Banterra's Visa Debit Card provides the convenience of checking in a card. You can pay for purchases directly from your checking account simply by presenting this easy-to-use card everywhere that Visa Debit Cards are accepted. Plus, it is a convenient way to get cash, make deposits, or transfer funds – 24 hours a day, seven days a week at any Banterra location or across the country at any ATM that accepts Visa Debit Cards.
Payment Options –
Now you can shop for items online in a fast and secure way with your Banterra Visa Debit Card. Enter your information once and then just look for the Visa Checkout button when you’re shopping online.
Applying online for a Banterra Visa Debit Card is easy. Just become a Banterra online banking customer (at no charge) and after logging in, click Messages from the main menu, then click Choose a Form to Submit and select the Visa Debit Card application. You may also visit any Banterra Bank location for information on obtaining a Visa Debit Card.
Frequently Asked Questions (FAQs)
Please read your Banterra Bank Visa Debit Card Agreement that is provided to you when your card arrives in the mail.
Q What are my dollar limits per day with my debit card?
A You may withdraw up to $500.00 cash from an ATM per day by using your 4 digit PIN number. You may buy goods and services up to $2,500 per day. Restart accountholders may withdraw up to $300 cash from an ATM per day. Restart accountholders may buy goods and services up to $750 per day.
Note:All limits are subject to the Available Balance you have in your account at the time of purchase.
Q What does it mean to use my card as a credit instead of a debit?
A Many customers are confused when we indicate you can use your card as a credit in thinking that this means you have a credit card. This is not the case. If you use your card as a credit your purchase amount is still withdrawn from your checking account.
Q Why would I want to run my card as a credit vs debit?
A The card limit available by selecting credit is your available balance up to $2,500 per day.
Q When can I expect my card and PIN to arrive in the mail? May I choose my own PIN?
A Please allow seven to ten days for your card and PIN to arrive in the mail. A random PIN will be assigned and is mailed two days after the card. Cards and PINs are mailed separately and in plain envelopes for security purposes.
Q May I choose my own PIN?
A Yes. Visit your local branch for details.
Q How do I activate my card?
A When you receive your card, there will be a sticker on it with this phone number: 844-879-5119. Simply call the number and follow the prompts.
Q How soon after I use my card will the charge come out of my account?
A This depends on the merchant and their processor. Some transactions may be deducted from your account the same day while others could take up to three days or longer before the transaction is completed. Pending transactions indicate that your charge is in the process of being completed but has not been finalized yet. A “Hold” in the amount of your purchase will be placed on your account to ensure the funds will be available when your charge has been completed. This hold could be on your account for up to three business days. Larger holds may apply to car rental deposits and lodging reservations.
Q Is there a charge for using my debit card?
A Please refer to your Banterra Bank Visa Debit Card Agreement and your Checking Account Disclosure for more information and an explanation of foreign ATM fees.
Q How long will I be able to use my debit card before it expires?
A Debit cards expire every three years.
Q What if I do not use my debit card?
A Debit cards that are inactive for one year are not reissued.
Q How soon can I expect to get a new card before my current card expires?
A Reissued cards are ordered six to eight weeks prior to your existing card expiring. If you have not received a new card within two weeks prior to the expiration date, please contact your local branch or call 866-BANTERRA (226-8377), option 3.
Q How many of my accounts can I access with my debit card?
A You may have one primary checking account. You may also have a secondary checking and savings accounts attached to your debit card for ATM withdrawal or transfer purposes only.
Q Planning to Travel?
A Please notify us at least one day prior to your departure by calling: 866-BANTERRA (226-8377), option 3. Our fraud monitoring systems may block usage of your debit card when transactions outside your normal spending habits are identified unless we are notified before you leave.
Q What if my debit card has been lost or stolen?
A Please contact Banterra Bank: 866-BANTERRA (226-8377), option 3. Refer to your Banterra Bank Visa Debit Card Agreement for more information.
If you believe your Visa® Debit Card has been lost or stolen, notify us immediately. To keep possible losses down, telephone us as soon as possible. You may contact us toll-free at the following:1 (877) 541-2265 during business hours
or notify us by mail at:
Attn: Electronic Banking Department
P.O. Box 291
Eldorado, IL 62930
Planning to Travel?
We want your next trip to be as hassle free as possible.
To help prevent interrupted service with your Banterra Bank Visa® Debit Card or Digital Banking services, please notify us at least one day prior to your departure. Notifying Banterra will ensure your Visa® Debit Card purchases or Digital Banking access is not blocked by our fraud monitoring systems. Without notification of your travel we may block usage of your Visa® Debit Card or Digital Banking services when transactions or logins outside your normal spending or login habits are identified.
From time to time, we may block transactions from a specific city(s), state, region or country due to fraudulent activities. Transactions will be restricted if your Visa® Debit Card is used within the blocked areas.
To notify us of your travel plans, please do one of the following:
- Call Banterra’s customer support at 866-BANTERRA (226-8377), option 2. We are available to take your call weekdays from 7:30 a.m. to 5:30 p.m. and Saturday from 8:00 a.m. to 12:00 p.m. CST.
Click here to send us a secure email. Be sure to include the following in your email to us.
- Your Name(s)
- Visa® Debit Card Number(s)
- Departure and Return dates
- Destination and/or Places(s) of travel (city, state, country)
- Phone Number (in case we need to contact you during your travel)
- To better protect our customers, travel notifications may be validated by a call back to the number you have on file at the bank. If unable to validate, transactions made with your debit card during your travel may be denied.
Information to take with you:
Banterra Bank – 866-BANTERRA (226-8377), option 2.
- Carry more than one credit and/or debit card when traveling
- Daily withdrawal and purchase limits apply. Call us for more information about these limits.
- International cross-border and currency conversion fees may apply.
*See your Visa® Debit Card Disclosure for complete details.
Through Elan Financial Services, Banterra offers a variety of credit cards to best serve your needs. Whether you are a consumer or a business, or a college student that needs special incentives or to establish credit, Banterra has a credit card that is a right fit for you.
- Up to 50% bonus rewards every month
- Cash back on purchases and balance transfers
*See specific card links for further details and disclosures.
Business Credit Cards
Banterra offers the convenience of Visa Credit Cards for your daily business needs.
American Express® is a registered trademark of American Express®. Visa® & Verified by Visa® are registered trademarks of Visa. All rights reserved.