NVB Contactless Debit Card

It is important to notify the bank immediately upon noticing your card is lost/stolen. To notify the Bank after hours, contact 877-217-4682. During banking hours, contact our Customer Support Center or visit any Nodaway Valley Bank branch.

A new card may be picked up immediately at any Nodaway Valley Bank branch or you may request the new card be mailed by calling our Customer Support Center.

It’s no longer necessary when traveling within the United States, Hawaii and Alaska. Sophisticated fraud tools now send a text to verify any transaction that may appear suspicious, allowing the cardholder to reply and control the card’s use. When traveling outside the United States, we still prefer that you notify the bank prior to traveling.

No. A new debit card will be automatically ordered at the beginning of the expiration month. It will be sent through the mail and should be received before the month’s end. Your card will be valid through the end of the expiration month. It is important to watch your mail closely during the expiration month – your new card will be mailed in a generic envelope that does not list the bank’s name and may be confused with junk mail.

If you have not received your new card by the end of the expiration month, please notify our Customer Support Center.

You may visit any Nodaway Valley Bank branch to pick up a new debit card or create a new PIN. If you can’t visit a branch, simply contact our Customer Support Center for a new card to be mailed to you. Replacement card fees may apply.

If you cannot visit a branch, you can call 877-406-3582 to reset a PIN.

New cards may be requested and picked up the same day by visiting any Nodaway Valley Bank location.

If a new card is being mailed, it takes approximately 7-10 days to arrive. When expecting a new card, watch your mail very closely, your card will arrive in a generic looking envelope that does not list the bank’s name and may be confused with junk mail.

Using an NVB Debit Card is similar to making purchases with cash or check, only it’s safer and more convenient. When you use your Debit Card, funds are automatically debited from your NVB Checking Account, usually within one to four days. These transactions will appear on your account statement for easy record keeping and budgeting.

Debit card purchases and withdrawals are automatically deducted from your NVB checking account. These transactions will show on your account statement and online banking for easy record keeping. It works similarly to using cash or writing a check but is safer and more convenient.

Credit card purchases accumulate on a monthly bill, deferring payment until the bill comes due. If the bill is not paid in full, your balance will be charged interest and added to your card balance. When used responsibly, credit cards are a great way to establish and build your credit. Plus, when using a credit card with rewards, you’ll earn reward points for your purchases that can be redeemed for cash, merchandise, travel, and more!

When you use your debit card, you may be asked to specify “debit” or “credit”. Regardless of your choice, funds will be automatically deducted from your NVB checking account. Running your card as a “debit” will require you to enter your PIN (Personal Identification Number). Running your card as a “credit” may require you to sign for your purchase.

Your NVB Debit Card can be used anywhere worldwide that accepts MasterCard debit*. Use your card for purchases in store, online, by phone, or at the gas pump. Access cash by requesting cash back with your purchases in store or at any ATM displaying the MasterCard, Pulse or Exchange symbols.

*Make sure to notify the bank if you are going to be traveling to a different state or country. Fraud prevention tools are in place which could impact your ability to use your card if the bank is not notified prior to your travels.

Each account owner or signer is allowed to have one card per account.

There are no debit card fees for making purchases with your card, getting cash back with a purchase, or when using an NVB ATM. However, fees will be assessed when a card is used at a non-NVB ATM*.

List of NVB Fees:

• $1.50 for withdrawals at a non-NVB ATM
• $1.50 for balance inquiry at a non-NVB ATM
• $1.00 for a denied transaction at a non-NVB ATM
• $7.50 for a replacement card

*Interested in free ATM transactions nationwide? Check out our Free Reward Checking account!

• PIN and Signature Purchases per calendar day $5,000
• ATM per calendar day $1,500
• PIN/Signature/ATM have a combined daily limit of $6,500

To change a card limit, please call 877-217-4682.

The daily limit can vary based on transactions that are pending on your debit card. Even transactions that you did on a previous day could still be pending and impact your limit. If you’re concerned about surpassing your daily limit, it’s best to call our Customer Support Center for assistance.

NVB Debit Card Overdraft Privilege is a service that covers your ATM and everyday debit card transactions when your account balance is insufficient. By “opting in,” you can avoid having these transactions declined at point of sale, though a fee applies for each overdraft covered. It is a discretionary service and any account owner has a choice whether or not to utilize it.

This service specifically applies to ATM and everyday debit card purchases. It does not apply to preapproved/recurring (REC) debit card transactions. It also does not cover checks or recurring bill payments, which have separate overdraft coverage options.

Any OWNER may choose to Opt-In or Opt-Out under NVB Debit cards. You may change this selection at any time.

Once authorized, your NVB Debit Card and ATM transactions will be covered up to any applicable limits, helping you avoid having your transaction declined. Standard overdraft fees will apply for each transaction covered. Refer to our fee schedule for details.

No. Consumer NVB Debit Card Overdraft Privilege is only available on certain consumer checking accounts. It is not available on business and organization accounts, Representative payee accounts, Health Savings Accounts, Trust accounts or Care-Free accounts. Check with a banker if you’re unsure whether your account qualifies.