Personal Debit Cards

Whether you're searching for the number to call if your card is lost or stolen or you just need to know who to notify when you travel, the information below will answer your questions and give tips for keeping your card safe. 

  • Monday thru Friday, 8 a.m. to 5 p.m.
    • 903-676-1900
  • After hours, weekends and holidays:
    • 800-472-3272 to report a lost or stolen debit card
    • 800-262-2024 if your card has been blocked

Please call us if you plan to use your debit card internationally.  As a precaution, we do not allow foreign country transactions unless notified by the customer prior to travel outside the U.S.

Who do I contact to reset my pin? 

The card owner can have the pin reset at any of our branch locations during normal business hours.

Do I need to notify the bank when I travel?  

Yes, it is recommended that you notify the bank (903 676-1900) before you travel to prevent a fraud alert from being placed on your account.  An alert can be removed by contacting 1-800-472-3272.

Do I have a daily access limit on my debit card?

Each cardholder has access up to a $500 daily cash limit for ATM transactions and $3,000 for daily point of sale transactions.  The same withdrawal limits apply for both Saturday and Sunday transactions.  Please be aware that your available balance is subject to the date your transaction is processed by the merchant. 

What is my credit card secure code, as requested for online purchases?  

For Visa, MasterCard, and Discover cards, the card code is the last 3 digit number located on the back of your card on or above your signature line.

What is the cost of replacement card?

A fee of $5.00 will be charged for each new card re-issued.

How do I get a new card?

Contact a new account representative at any of our locations. 


MasterCard SecureCode is a service to enhance your existing MasterCard account. A private code means added protection against unauthorized use of your card when you shop at participating online retailers.

Once you've registered and created your own private SecureCode, you will be automatically prompted by your financial institution at checkout to provide your SecureCode each time you make a purchase with a participating online merchant. Your SecureCode is quickly confirmed by your financial institution and then your purchase is completed. Your SecureCode will never be shared with the merchant. It's just like entering your PIN at an ATM.

When you correctly enter your SecureCode during a purchase at a participating online merchant, you confirm that you are the authorized cardholder and your purchase is then completed. If an incorrect SecureCode is entered, the purchase will not be completed. Even if someone knows your credit or debit card number, the purchase cannot be completed without your SecureCode at a participating merchant.

To Enroll in the MasterCard SecureCode system please click here.

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