No Annual Fee Debit Card

Get cash, make purchases locally or around the world.

Decorah Bank debit cardEnjoy the convenience…

Get your debit card instantly
Once you’ve requested your debit card there’s no reason to wait 10 days for your card to arrive in the mail with our on-site Instant Issue service. This service also comes in handy if your card becomes stolen or lost – please contact us right away if this happens.


EMV Technology
Our debit card includes EMV (chip) technology to securely store your private account information. Learn more about EMV cards in the FAQs below.

No Annual Fee Debit Card with Apple Pay, Google Pay, and Samsung Pay capabilities
Connect your debit card to your smartphone. It’s easy to set up and super fast to use in stores! See how >>

Fraud Alert Service
As a part of our debit card protection program to help keep your account safe you will receive a text or phone alert if suspicious activity is detected on your debit card.

How to get an EMV debit card
Ask for a personal banker to get your new debit card at 563.382.9661 or 563.547.2244.

Save the Change
Build your savings automatically when you use your debit card. This courtesy service transfers funds from one account to another to help you save money.
If you’ve been putting off saving, this is your simple solution. A personal banker can set this up for you. Learn more >>

MasterCard® Benefits
Your MasterCard debit card provides multiple benefits.  The MasterCard Guide to Benefits is available to view here.


Debit Card FAQ's

MasterCard’s Automatic Billing Updater is a free service that saves you time. Decorah Bank & Trust is participating in MasterCard’s Automatic Billing Updater (ABU) Service. ABU provides updates to merchants who maintain your card information on file to process your payment arrangements. Examples of these merchants include phone companies, utilities, subscriptions, gym memberships, etc. This is for merchants you have made automatic payment arrangements with or who you have allowed to store your debit card information for future purchases.

This service will allow participating merchants to receive your updated card information when you receive a new debit card for any reason (i.e., expired card, lost or stolen card, etc.). For example, let’s say you’ve enrolled in recurring monthly payments to pay your electric bill with your debit card. When you receive your new debit card after your current card expires, instead of contacting the electric company to update your card information, your card information will automatically be updated if your electric company is a participating merchant. This saves you the hassle of manually updating the card information on file with many merchants.

MasterCard ABU is available only to participating merchants who choose the frequency with which they check for updated payment information. To avoid late payments and penalties, always check with your merchant to ensure your card information has been updated.

If you wish to opt-out or have questions about this free service, please contact Customer Support at 563.387.5230 or visit one of our locations.

No. Automated Billing Updater is only available to participating merchants, and they choose the frequency at which they check for updated payment information. To avoid late payments and penalties, you must check with your merchant to ensure your card information is updated.

Account-on-file transactions are payments processed using a debit card number you’ve stored with a merchant or service provider. For example, you might have your card information stored with online retailers, movie services, prescriptions, transportation, or other online payment services.

You might have other payments set up as recurring payments to providers such as the following: phone service, television, internet, gym memberships, anti-virus software, insurance premiums, recurring charitable contributions, and the like.

Automatic payments will fail, and merchants may charge you late fees. Most merchants will first contact you by phone, email, or text to notify you that your payments didn’t go through. For account-on-file transactions, if you try to submit an online order using your old debit card number, it will be rejected. You should have the opportunity to update your debit card information and resubmit your online order.

Log in to your online banking account and view your debit card transactions to see if the debit card number is your new number. If not, log in to the merchants’ website, go to your account information or profile, add your new MasterCard debit card information, and delete your old card information. Or you can call the merchant to change your information.

EMV stands for Europay, MasterCard, and Visa, and has become the global standard for chip and PIN cards. EMV® technology on your new card stores account information more securely, and the technology itself can provide a reduction in card-present fraud resulting from counterfeit, lost or stolen cards. You can even connect your card to your newer smart phone: click here to learn how.

You’ll either insert your chip card into the store’s terminal or swipe the magnetic stripe. You’ll need to keep the chip in the terminal until the transaction is complete. Chip-enabled terminals in stores (and ATMs) are gaining popularity as protection for customers.

Lost or Stolen ATM/Debit Card: 
During Business Hours: (563) 387-5230
After Business Hours: 1-800-383-8000

Debit Card Issues:
During Business Hours: (563) 387-5230
After Business Hours: 1-866-508-2693


If you receive a debit card fraud alert on your mobile, you will be asked to reply Yes or No to confirm or deny the activity. If you reply No (the activity is fraudulent), you will quickly receive a follow-up text to let you know that a debit card fraud specialist from SHAZAM (our debit card processor) will call you soon to help protect your account. We will also automatically block your debit card to prevent additional fraudulent activity and assist you.

If you reply Yes (the activity was legitimate), you can continue to use your debit card as usual. If you don’t reply to the text, or your phone number is not a mobile number, we will attempt to reach you via an automated voice call.

If you have a question, have a new phone number, or ever suspect a suspicious activity, please contact us.

As a reminder, we will never request card or account information via text, phone or email.

Contact us today to get a new debit card or open a checking account.

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