July 26, 2014
Legends Bank Debit Card
At a Glance
One of our most popular products, the Legends Bank debit card doubles as an ATM card and a debit card. As an ATM card it can be used at hundreds of thousands of ATM machines worldwide. As a debit card it can be used at any merchant accepting Visa or MasterCard, acting as an "electronic checkbook" in place of paper checks.
To report a LOST or STOLEN ATM/DEBIT CARD
(after hours) call 1-800-383-8000 immediately.
A debit card can be used in conjunction with any of our personal accounts, including Preferred Checking, Free Checking, VIP and VIP Plus accounts.
As an ATM card, use it free at any of Legends Bank's drive up ATM machines at the Belle, East Linn, Loose Creek, Owensville, Rolla, Taos, Union and Westphalia branches, and at the bank's walk up ATM machines in the Bland Corner Market, Linn State Technical College Technology Center, and Linn Thriftway supermarket. The card is also accepted at hundreds of thousands of other ATMs worldwide.
As a debit card, use it for purchases at any merchant accepting MasterCard or Visa. No more having to provide ID when trying to make a purchase out of town. The transaction is automatically deducted from your checking account, and there are no fees for these types of transactions.
The debit card is free. Legends Bank assesses a fee of $1.00 each time you use your card at a non-Legends Bank ATM. There is no charge for using the card at an ATM owned by Legends Bank, or for using the card as a debit card at a merchant location.
SecureCode - Enhanced Security When Using Your Debit Card
One of the great things about shopping online is the extra time it gives you to enjoy life offline.
With MasterCard Secure Code, now that extra time can be spent with greater peace of mind. Legends Bank is pleased to bring you a valuable service to enhance your existing Legends Bank debit card. It’s a private code that brings you added protection against unauthorized use of your card when you shop online.
Choose your own private SecureCode before you begin making your online purchase. Just visit https://secure.shazam.net/SecureCode/ and enroll your card by following the simple steps. Once you have created your private SecureCode, you can then use it for all future purchases at participating online merchants.
Every time you pay online at a participating merchant with your Legends Bank debit card, you will be automatically prompted to enter your own private SecureCode – just like entering a PIN at the ATM.
If you have any questions about how to create or use your SecureCode, please visit https://secure.shazam.net/SecureCode/ or call us at 573-897-2204 for more information.
Commonly Asked Questions and Answers
Q: What is a debit card?
A: Its a debit card that essentially operates as an electronic checkbook at any merchant accepting Visa®/MasterCard®. It also doubles as an automated teller machine (ATM) card for making deposits, withdrawals, or transfers between your checking and savings accounts.
Q: Is a debit card a credit card?
A: No. As a debit card, it automatically deducts purchases from your checking account rather than adding to the balance on a line of credit.
Q: Why have a debit card?
A: Worldwide convenience! Use it at any location accepting Visa/MasterCard. That's millions of merchants across the world. No need to carry checks or worry about them getting lost or stolen. Plus you have ATM access 24-hours a day in thousand of locations.
Q: How do I keep track of purchases?
A: Merchants will give you a receipt for your purchase just as they normally would. Plus, each purchase will be detailed on your monthly checking account statement. ATMs will provide transactions receipts. Be sure to record these transactions in your check register.
Q: With a debit card, do I still need a credit card?
A: Yes, if you prefer to buy on credit or if you want to spread out the payments. A debit card will not allow making payments over time, the amount is deducted immediately from your checking account.
Q: Can I link my savings account to my debit card?
A: Yes and no. You can access your savings account via ATMs. However, all purchase transactions will be posted to your checking account.
Q: How safe is a debit card?
A: Quite safe. To use your card, you must use your personal identification number (PIN) for ATM and POS transactions. A lost or stolen card is of no value to another person as long as they don't know your PIN number. At merchants accepting Visa/Mastercard, the transaction is completed by your signature.
Q: How do I use my debit card?
A: When making a purchase at the Visa/MasterCard location, just present it to the merchants as you would a credit card. For ATM transactions, simply follow the instructions on the terminal.
Q: Do I pay interest or finance charges on my purchases?
A: No, because debit card purchases are posted to your checking account. You are not making a credit purchase subject to finance charges. The only fees may be those associated with your ATM card usage.
Q: What happens if I lose my debit card?
A: Contact us immediately. That's all there is to it. We'll handle all the details.
Q: How do I sign up for debit card?
A: Just complete and return the simple application. And, be sure to call us if you have any other questions.