Banterra Debit Cards

Card Features FAQs Fraud Protection Lost/Stolen Card Travel Notifications

Make Purchasing Easier Than Ever

With Banterra’s Visa^® Debit Cards, you can easily pay for purchases at retailers across the world and online. When you make a purchase, the funds are automatically debited from your Banterra checking account. You can also use your debit card at any ATM or ITM to make withdrawals, check your balance or transfer funds between accounts. Apply for your card today at any Banterra Banking Center or through Banterra Digital Banking.

Banterra Bank green Personal debit card artwork

Banterra Bank black Business debit card artwork

Key Features of Banterra Visa^® Debit Cards

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person making contactless payment with Banterra debit card

Contactless Payments

Use your Banterra Visa^® Debit Card quickly and safely with just a simple tap. This feature allows you to use your card at any contactless terminal at retailers in your community and across the country. Key features include:

Fast: It takes just a few seconds to complete and process your transaction when you tap the contactless symbol.
Simple: Just hover your card within a few inches of the contactless symbol on the terminal to complete your transaction.
Secure: Enjoy the same security and protection as your EMV-chip card.

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image of someone holding a Banterra Visa Debit Card

EMV-Chip Technology

All our debit cards are equipped with EMV-chip technology which provides your card with enhanced security to protect your transactions. Benefits of EMV-chip cards include:

Enhanced Fraud Protection: Chip creates a one-time use code for each chip transaction. This code is virtually impossible to counterfeit and helps reduce in-store fraud.
Easy To Use: Insert your card to a chip-activated terminal and follow the prompts. If a chip-activated terminal is not available, simply swipe your card.
Enjoy Global Acceptance: Chip-activated terminals are available worldwide and continue to grow within the U.S. retail industry

Card On/Off

As a Banterra digital banking customer, you can turn your debit card on or off in case it is lost or stolen through Banterra’s mobile app.

Visa^® SRC

With Visa^® SRC, you can securely use your Banterra Visa^® Debit Card while shopping online to make purchasing much easier. Now, instead of manually entering your card information each time you make a purchase, you'll now be able to enter it only once and just click the Visa^® SRC button during the checkout process. Your card's information will automatically be applied to save you time.

Visa^®Secure

When you shop online and see the Visa^® Secure badge, this means your online purchases are secured with Visa. There’s no need to download anything, install software or register. While online shopping from your desktop, mobile or other digital device, you may be guided through an extra check to verify your identity.

Digital Wallet

You can utilize your smartphone to make debit card payments. You can add your card information to a digital wallet app that includes Apple Pay, Google Pay or Samsung Pay.

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Debit Card FAQs

What are my dollar limits per day with my debit card?

You may withdraw up to $1,000 cash from an ATM per day by using your four-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.)

What does it mean to use my card as a credit instead of a debit?

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.

Why would I want to run my card as a credit vs debit?

The card limit available by selecting credit is your available balance up to $2,500 per day.

When can I expect my card and PIN to arrive in the mail?

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.

May I choose my own PIN?

Yes. You can change your PIN on an existing card, new card and replacement card through Digital Banking, by phone, at our ITMs (Interactive Teller Machines) or at a Banterra branch using our PIN pad.

To change your PIN on a new card (within 30 days of being created), you may also call 1-877-965-3344.

How do I activate my card?

Simply call the number located on the sticker attached to your card. Once activated, remove the sticker and sign your card.

How soon after I use my card will the charge come out of my account?

How soon you can use your card 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.

Is there a charge for using my debit card?

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.

How long will I be able to use my debit card before it expires?

Debit cards expire every two years.

What if I do not use my debit card?

Debit cards that are inactive for one year are not reissued.

How soon can I expect to get a new card before my current card expires?

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 4.

How many of my accounts can I access with my debit card?

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.

I am planning to travel; should I notify Banterra that may normal spending habits may change?

Please notify us at least one day prior to your departure by calling: 866-BANTERRA (226-8377), option 4. 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.

What if my debit card has been lost or stolen?

Please contact Banterra Bank: 866-BANTERRA (226-8377), option 4. Refer to your Banterra Bank Visa® Debit Card Agreement for more information.

Fraud Protection

Rest easy with 24/7 fraud protection through Visa^® Zero Liability – a guarantee from Visa^® that you won't be held responsible for unauthorized charges made with your account or account information. Banterra will also notify you if we believe your card has been compromised. Once you've been notified, we reduce the limit on the card and immediately mail a new card to you to be activated.

Lost or Stolen Debit Card

If you believe your debit card has been lost or stolen, notify us immediately.

To keep possible losses down, please call us as soon as possible. You may contact us toll free at the following:

1 (877) 541-2265 during business hours or via our secure email link.

Or notify us by mail at:

Banterra Bank
Attn: Electronic Banking Department
P.O. Box 291
Eldorado, IL 62930

Travel Notifications

To notify Banterra Customer Care with your travel plans, please do one of the following:

Call 866-BANTERRA (226-8377), option 4. Weekdays - 6:30 a.m. - 7 p.m.; Saturday 7 a.m. to 2 p.m. CST. Closed Sundays.

Send us a secure email by clicking here and including the following information:

Your Name(s)
Visa^® Debit Card Number(s)
Departure and Return Dates
Destination and/or Places(s) of Travel (city, state, country)
Cell Phone Number (in case we need to contact you during your travel)

Important Reminders

Have Banterra’s phone number with you in case you need to reach us: 866-BANTERRA (226-8377), option 4.
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.

Banterra Visa® Debit Cards