The First State Bank of Winchester, IL

P.O. Box 137 1 N Side Square Winchester, IL 62694 (217)742-3134 Deposits Loans CD Rates Services Statement Debit Cards		P.O. Box 297 101 East Purcell Murrayville, IL 62668 (217)882-2026 Our History Community Newsletter Contact Us Web Security

	Toll-Free 800-298-2144 Mastermoney ATM/Debit Card *Common Questions* *"Tell me, how does the MasterCard debit card work?"* It works just like a regular ATM card at ATMs: You use your pin to get cash. At store, restaurants, and other merchants that accept MasterCard. You present the card to the cashier, sign the receipt, and your purchase will be deducted right from your checking account just like a check. And if your use your MasterCard MasterMoney debit card to place a phone order, you just give your card number and expiration date to the catalog or ticket order representative. *"So when I shop with it, I follow the same steps as when I use a credit card, right?"* Right! Your MasterCard MasterMoney debit card will be accepted by merchants just like any MasterCard credit card. But it's not a credit card, because purchases are deducted from your checking account-which means you don't pay interest charges on things you buy unless you access an overdraft line of credit. *"Can I use my MasterCard debit card anywhere?"* You can use your new MasterCard MasterMoney debit card to get cash at ATMs wherever you see the logos that are on the back of your card. And you can use it wherever you see the MasterCard logo, too. *"Will my MasterCard debit card purchases appear on my monthly checking account statement?"* Yes. If you shop with a MasterCard MasterMoney debit card, the amount, date, even the name of the place where you used it will all appear on your statement along with the checks you write and your ATM transactions. Having all your transactions on one statement helps you keep better track of your spending. *"Can I still use checks when I shop?"* That's completely up to you. Although once you see how much more convenient it is to shop with your MasterCard MasterMoney debit card, you will probably use checks less and less. *"What happens if my MasterCard debit card is stolen?"* If your card is lost or stolen, you can get your card replaced and limit the amount of money simply by reporting the loss or theft or any unauthorized transactions promptly. See the bottom of this page for exactly what to do if your card is lost or stolen. *"How do I get a MasterCard debit card?"* Just ask a customer service representative. We'll take care of the rest. *ATM Safety Tips* - Your ATM/Debit Card provides you quick and convenient access to your money. It is a powerful, secure tool; follow these tips to safeguard your card. Memorize you Personal Identification Number (PIN). Do not write the PIN on your ATM/debit card or leave it in your wallet. If you card is lost or stolen, it cannot be used unless your pin is provided. Keep your PIN a secret. It is for your protection.. Someone you trust today may not be trustworthy tomorrow. Never give your PIN to anyone, even if they are helping you with a transaction. If you suspect unauthorized use of your card, notify us immediately. Stand between the ATM and the people waiting to use the machine, and shield the keyboard so other can't see you enter your PIN. Refrain from displaying your cash by putting your money away before leaving the ATM. Wait to count your money until you are safely in your car or at home. When using the ATM after sunset, consider going with another person to an ATM in a well-lit area. If someone in the area looks suspicious, cancel your transaction, retrieve your ATM/debit card and immediately leave the area. Choose another ATM in a safer area. Have your ATM/debit card ready to insert into the machine before arriving at the ATM so you don't have to reach into your purse or wallet while standing in front of the ATM. Don't fall for "con" games. If anyone asks you to withdraw money for any reason, leave the area at once. Notify your financial institution and local law enforcement officials immediately of any criminal activity. Never give information about your ATM account to strangers or anyone over the telephone. Only communicate this information in person. *Safety Tips on making purchases* When you use your card to make purchases, be sure to shield the PIN you enter from the view of others. Even if someone is helping you use the terminal, make sure they are not watching you enter your pin. When you recieve cash back from a transaction, safely put it away before leaving the area. Be certain the transaction is complete and review the receipt before leaving the premises. Always remember to take the receipt with you and record it in your register. Then shred your receipt before discarding it, since it contains valuable account information. When using a self-service payment terminal - such as at a gas station -after sunset, make certain the area is well-lit. Always shield the PIN you enter from any potential onlookers. If someone in the area looks suspicious, cancel your transaction and immediately leave the area or consider using a terminal indoors. *How to activate your Debit Card* To activate your card by phone call, toll free, 877-296-2735 and follow the prompts given. Once your card is activated it can be used to make purchases and get cash at many ATMs. To change your personal identification number (PIN) call, toll free, 888-467-7001 and follow the prompts given. For your financial protection please select a PIN that you will easily remember and do not write your PIN on your ATM or debit card. Questions? Please call the First State Bank of Winchester at 217-742-3134 or 800-298-2144. *What to do if your card has been lost of stolen* -If your MasterMoney Debit Card is lost or stolen during regular business hours, please call First State Bank at 217-742-3134 or 800-298-2144. -If you discover your card has been lost or stolen after regular business hours, please call 1-800-528-2273.